also yokilly recommendo. another intermediary group that works with nonprofits. once again, the bay area is just an incubator, just so important in terms of this whole concept. i also wanted to mention a lot of the work that's done in the private sector. michael cummings. i worked with him when i was with fritz institute. he has gone to fema. that's an important effort that fema has undertaken. something that the deputy administrator was talking about. i think the state should bring somebody in there as well. [laughter] yeah, right. i have toe say here in the state we are lucky to have the california resiliencey law and peter who has done a lot of incredible work with the private sector. so once again, so many good ideas, so many things have happened here. just remarkable. state of the art. now, the work that you have to do, we have some questions. my colleague prepared some questions. we don't have a lot of time. we have one mike there in the center, and we had way too many questions. we have 15 minutes or so. but i think maybe the best question to ask, jim, is