. >> zach murray (calling names). >> good morning. my name is a aaron balancing one i'm the first hiv practice in america i get many people in my officer who are hiv positive so examples i wanted to give you of san franciscans one is a young man that finished his degree at berkley a first year medical student a young african-american gay man that wanted to take a life insurance policy will have invest a lot of money into emphasis education because of hiss his diagnosis it was not an option two business owners one a gay man hiv negative a heterosexual woman business partners wanted to execute an agreement to make sure in the event either one of them passes the business ownership would go on because the heterosexual woman waltz hiv positive she can't get life insurance and they will not open a third location in the city employ more san franciscans because a they'll have to use that money to create a more buy and sell agreement to protect the parties or pirates a-year-old tech executive has acquired a $3 milli3 million do state it's a mi