whatv? the landlord, it's very difficult. whenever the tenant complain to the building department, they go to the building and they have to do something. and at the same time the tenant blackmail the landlord, ask for $15,000 to leave to fix something or doing something else, or go to see a lawyer. it's very difficult it for the landlord. thank you. >> thank you very much. next speaker. >>> shannon levinson, california mortgage advisors, co-chair of the finance subcommittee for esip with patrick otellini. i want to voice my support for this ernest and i've been working with patrick and [speaker not understood] for actually a number of years on this. i'm a [speaker not understood] aside, bringing members to thev table, figuring out if there were going to be iss