i came before you a couple of months ago unstated that's not the way we're going to business. we met with the neighbors, we are straightforward. i don't know why the neighbors took so long to appeal the matter, but we're going to hit it had on. the other thing that jumps out is i understand formula retail. i grew up in the sunset. my family has been here. formula retail was put in place to protect small business entities, therite aids put out of the mom-and-pop pharmacies, but there are no mom-and-pop banks. one of the speakers mentioned that there's a bank of america and the neighborhood, so why do need something else? in america, we need choice and selection. we're trying to provide options to the residence. with that, i was the person who said we had zero and we're going to 50. that is because we acquired washington mutual and immediately went to 23. the banks were already here and we put a different name on them. we have added a few since then. [tone] >> commissioners, joe donohue. first of all, i'm no fan of -- i am no friend of the bank. i take the view of jonathan swift