there may be concerns raised about uninnded consequences of that broad approach and i ask the commission not adopt that modification and allow for more community input and a rigorous analysis of how we can fix the parts of the code which i support. i wanted to say that my colleague and supervisor scott wiener from district 8 is asking for consideration of a different approach, allowing conditional use requirement on all financial services, rather than having them labeled as formula retail. i do not think that is wise. part of the reason is it will be unfair and an undue burden on smaller financial institutions, savings and loan or the credit unions or other smaller ones. and i want to support more diversity among small businesses and smaller credit unions. i feel that my colleague's approach is too broad and would impact smaller institutions. i want to thank you for your consideration. mike co-sponsor is supervisor -- my co-sponsor is supervisor olague. we want to support this ordinance. i appreciate your attention and would hope you would support this measure. thank you so much. commiss