josephine -josephine --y, shirl, shirley, christina, chin, ingles, jim inglings, jake block, chi, jane, susan, kay walker, deborah -- brian blake, iris, martis, gran, stacy, kevin, rose, and beth palmer. next speaker. >> thank you. my name is -- i'm a district 8 t.i.c. owner. i purchased a three unit t.i.c. in 2007, with a 20% downpayment. i lived with my wife and two children. since the peak of the market there's been a dynamic change in the financial lending practices of banks in the bay area that i believe is quite unfair. right now, we have tried to sell one of the three units in our building twice, with no success, due to the inability to refinance. additionally, my partner and i have tried to refinance our property twice in the past year and a half. both times being denied. the reason that we are being denied, our mortgage is the fact that many banks right now, we have approached three banks in the bay area, to refinance our house. they required 30% down and above market rates of about 5 to 6% mortgage rate onable basis. what that is telling the marketplace and people like myself