landlords like veritas use an l.l.c. for every single building. this comes up in particular with some of the ellis act evictions that you'll be hearing about later. further on this, this is also a snapshot from a standard and poor analysis of a veritas loan. this entire analysis is in your packet and it shows first the breadth of neighborhoods that are being affected by this, from knob hill to the richmond, and on the very last column, that all of these buildings are affordable rents. they were below market. we've seen buildings with units that are occupied with long-term tenants are described and perceived as investment opportunities where superior returns can be achieved. and here, we have an example of a green tree notice for the -- what we call the aggressive bundling of pass through charges. companies like this have entire department and staff devoted just to pass throughs or they outsource it to third parties. there's a particular company in san francisco that specializes just in preparing the documentation of pass throughs. so what you see