i know from my personal experience in the richman district, when i go to the bank to get cash i spend locally, i visit many stores along that corridor. i would argue that this proposal in general is unnecessary. more than half of these commercial districts already have c.u.'s or outright bans. this can be done. the approach supervisor mar is putting forward is a blanket, one-size-fits-all proposal that raises barriers where neighborhoods may not want them. i would close by saying that each bank branch employs people, 10 to 15 people. these individuals they employ represent or come from a relatively large spectrum of academic achievement. they do well. when banks want to invest in san francisco, grow in san francisco, and employ people in san francisco, that should be encouraged, not discouraged. thank you. vice president wu: thank you. >> good afternoon, commissioners. my name is lydia heron and i'm the manager of public policy with the san francisco chamber of commerce, here today representing the san francisco chamber of commerce and over 1500 businesses and we are in opposition to