>> i am susan harman and i am working with the bank institute and we have been promoting this idea for several years now, and we worked with the county of san bernidino when they were close to implementing it and they were intimidated by the banks and the real estate agencies and the mayor is starting to use this wonderful tool, and they have not joined the jpa and i feel that they will, once san francisco has the courage to do that and we will only take one and i think that there will be many cities who will be eager to do this, the tools that are out there to save the home owners are not being used and everyone heard about the settlements that the attorney's general solved around the country, and that money has been siphoned off by states, and specifically jerry brown here, and it has not gone to modify principles at all. and the solution to the finance director's problem without the bonds is to start a public bank which san francisco is well on the way to doing, i hope. and so when we can raise, and when we can raise our own money, we will not be so dependant on wall street and the