them all, to ride the alphabet soup of transit agencies, the mtc, mta, bart, golden gate, caltrain, vtae know all of our riders on the systems should not have to face numerous barriers for each agency. we know we need to make it more convenient for people to travel through the bay area. the clipper card has been in the works for more than a decade. i certainly appreciate these transitions are challenging and we know we are asking millions of people to change the way they get around every day. that being said, those of us on the board of supervisors have all heard concerns about the transition. if i could categorize, there are four categories that i have heard. first of all, concerns about the overall timing and staging of the transition. next monday on november 1 there will be no more paper as it passes sold to adults. all of them will have to be loaded onto cooper. but at this time a little more than 25% of the passes are currently loaded on clipper cards. i am concerned muni and mtc will have significant issues on their hands next week. secondly, as our chairwoman just noted, many com