francisco, we have the health and security ordinance, which is a brilliant law that was authored by tom amianond with the help with so many people in this room that created an employer spending requirement that mandates that the businesses with 20 employees or more must spend the money toward employee healthcare, and the ordinance is helping thousands of san francisco workers gain meaningful access to health insurance, however in the reason that we are here is that there continues to be a loophole in this ordinance that has for the last number of years prevented more than 26,000 workers from using money that is required to be paid under the employers spending requirement, for the purpose of buying insurance. and these are the workers whose employers meet their spending requirement, through the use of what are called the health reimbursement accounts and while in the past, many of these workers, 26,000-plus have used money and health reimbursement accounts to purchase the insurance, the affordable care act has made it impossible to them to use money in these accounts for these purchases, this l