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is a walking atm like a 24 hour use? i have read, in the course of preparing for this, pretty much every mention that has been made of the formula retail law, in conjunction with financial institutions. in that review, i have not seen anything that addressed the issue that you are discussing. the planning department, on the formula retell as it relates to financial institutions and all the material i looked at were consistent that it simply was not covered. the hours were not a consideration in looking at whether a particular financial institution was formal retail. it simply was not covered. commissioner peterson: thank you. have given presentations as to the background and history over the project. i ll try fill in some of the gaps and be available for your questions. as noted in our brief, the formula were first enacted in 2004. at that time it required a section 312 notice and also established certain findings made in the event that discretionary view be filed on the

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