my name is theresa rutherford. i am one of the vice-presidents of [indiscernible] ten to one, and i just want to make a brief comment here. we are not in agreement with any increase in rates or co-pays by any health providers at this time. it is clear to sgiu and public unions that kaiser [indiscernible] large [indiscernible] profiting off the pandemic and front-line workers who are risking their lives. we are, therefore, asking the commission to stand up with unions and with all the front-line workers and to fight the corporate greed and the abuse of front-line workers and the public. if health care workers are not protected, the public is not protected. we are all at risk. please do not support any increase in rates or co-pays at this time. please do your part as commissioners to protect workers and the public in this pandemic. we talk about an n-95, that is a barrier. you are our barrier against these big corporate organizations who are making hand over fist money. do not allow it. do not support it. do not allo