. >> i am ruthie norton. me and my assessment provided to some information. we provide services to many small and midsize companies in san francisco, and we are concerned about the added burden that this will impose on businesses. these changes are of special concern when we are in a hurting the economy and businesses are struggling to stay afloat. the bay area offers lots of retail opportunities beyond san francisco. any unused funds in an employee account must carry over year to year and be were available to the employer, spouse, a family member. what happens when an employee is terminated? this would be subject to cobra, which means an employer must make and minimum contribution. any plan changes must comply with the regulations. if you take the choices out of the plan the election, it may not qualify under kroeber or the irs. this may impact industry that have high turnover. any employee that works eight hours or more per week will be able to accrue hcso and discourage any casual employers. this is what they what. focus on enforcing the current plan. the