we understand the need for housing to be affordable for all san francisc andans. -- franciscans. we do not really have a handle on the production for moderate and low-income people. anything that is being produced by the market for moderate income people is not being counted. when -- we do grant that the production of housing is so expensive because we do it ourselves. we need to find ways to produce housing a lower-cost sit, not by devoting financial resources, but finding ways to work together. >> good evening, supervisors. i am with the housing development corp. we are hud-approved on the southeast side of san francisco. i can appreciate the need for low-income folks as well as the replacement of the tax income financing. in particular, an affordable housing trust. i am here to represent two constituent bases. foollks are facing foreclosure or have been foreclosed upon. both are fragile. both are attached to the migration of african-americans in san francisco. the national low-income housing corporation has suggested that there is a significant need for low-income housing in s