[laughter] opa. thank you. sorry, yes. >> sorry about that. i am james bridgeman. the cochair of the san francisco zurich city committee. the comment is to put a plug-in for sister cities. we have 19 in the city and we do a lot of work with bringing businesses here. we could go on for a long time on that. my question to you is how do you workers afford the cost of apartments and things like that in the city. a two bedroom apartment cost more than $500,000 a month -- $500,000 -- $5,000 a month. >> as an incredibly tough challenge. i think homeownership or homeownership affordability is less than 15%. i see people that are on my team struggling to figure it out. if you are young, you have a roommate, you know, there were headlines the other day about $117,000 considered low income for a low income family of four, which is astonishing. i also think that, you know, people figure it out. there's definitely a housing shortage. not just in san francisco, not just in the bay area, you see this happening in other markets all over the country. maybe nowhere so severe as it i