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Expectations and standards are. To piggyback a quick question off of that. Seems and these seem like significant changes. What impact will it have on credit overlays . I hope that it will substantially reduce credit overlays and that lenders will start operating more inside the credit box that fannie and freddie have said they will purchase loans in or guaranteed loans in that space. And based on conversations that we have had with industry participants emma my hope is a positive hope. I do not know when you transfer from hope to an expectation. Some of them have assured me that if we can smoo...

Know stefan was murdered on may 3rd when he stepped into the wrong apartment i want to show you what the giants b did last night and they put up 0 contribute stefan to reply filipinoamerican taken two soon it was a nice remember bans but a tomb stony see videos of stefan a manchild he was indeed taken two soon and i canceling cant believe he was a threat to the marijuana who killed him who was released by da or that i had so many questions i go to the crime seen and see the door and, you know, there was a peep pole and a deadbolt lock even though a doorknob that was taken it still the fact is ...

To dispute it. Then he goes on to say this and i agree with this line, talk about all stem graduates now if there were a Talent Shortage where are the market indicators like wage increases . D so mr. Donahue and your friends at the chamber of commerce believe in the free market then why is it down if we have a shortage of workers . Why arent the wages going up . For another businessman that said recently there are 600,000 jobs in manufacturing going unfilled today the immigration bill king go along way to help uses fill these positions. Great scott. I have seen instances where thousands where ...

That concludes the president s report. So is there anyone who would like to make Public Comment on the president s report . Being none, Public Comment is closed and we are on item 3, the general managers report. Thats tough to top. A few announcements. Weve had a lot of focus on the stick and now monday is very likely the last game, last 9ers game, but we are continuing to work on keeping the facility activated and healthy until its time for it to come down. In honor of mondays game we have a contest for a lucky fan to win a pair of tickets. Its slighter better than winning the jackpot. All yo...

Wondered when i started at candlestick and now its almost at hand. It a really strange feeling to be going there these last few days and thinking pretty soon i wont come here anymore and it going to be hard to drive up the freeway and not see that big gray edifice looming in the distance. You have to wonder whats going to be there. Over the years, i think weve made a lot of improvements in Turf Management and weve been lucky that weve been allowed a freehand in experimenting with different methods. I think its all paid off and its because of the management that weve had and the crews that weve...