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Are actually 3x what they were at that time so we believe we have a Strong Capital rating which is reflected in our high debt rating. Additional capital will increase the cost of debt. Mr. Dimon, you spoke yesterday about additional requirements for regulatory capital and liquidity standards and the impact it would have in the marketplace, will you speak to that . Yes, sir. I give credit where credit is due. Dodd frank accomplished a lot. I think the regulators should take a victory lap for that. Having said that, things went too far. Its not just capital, liquidity requirements, do restrict lending, raise the cost of lending, damage markets a little bit, reduced mortgage lending at some of our banks. We want good regulations we need to spend more time recalibrating these regulations across the whole financial system. So theres a cost to this, and theres an Economic Cost and c ....
Commercial buildings that we have in our area. It is completely out of character with this neighborhood completely. And it is your job to protect our entire neighborhood, including potrero hill. When, last meeting you had said that all of the neighbors got a notice on the eastern neighborhoods and i was at that hearing two years ago and none of the people in the neighborhood got notice on eastern neighborhoods. I was in this room, and all of them were developers. And i opposed completely this project and it really needs to be compatible with our neighborhood and i want you to think about that when you are doing this. I live at 3550 utah street and a little more about the neighbor character, here is a picture. And we dont know how to get the little picture up on it. There we go. And basically that is the neighborhood that we are living in, and it has got two and three Story Buildings. And also, what is kind of interesting, is the m ....
Hospital. And this is the character of our building, these are the commercial buildings that we have in our area. It is completely out of character with this neighborhood completely. And it is your job to protect our entire neighborhood, including potrero hill. When, last meeting you had said that all of the neighbors got a notice on the eastern neighborhoods and i was at that hearing two years ago and none of the people in the neighborhood got notice on eastern neighborhoods. I was in this room, and all of them were developers. And i opposed completely this project and it really needs to be compatible with our neighborhood and i want you to think about that when you are doing this. I live at 3550 utah street and a little more about the neighbor character, here is a picture. And we dont know how to get the little picture up on it. There we go. And basically that is the neighborhood that we are living in, and it has got two and three S ....
Our entire neighborhood, including potrero hill. When, last meeting you had said that all of the neighbors got a notice on the eastern neighborhoods and i was at that hearing two years ago and none of the people in the neighborhood got notice on eastern neighborhoods. I was in this room, and all of them were developers. And i opposed completely this project and it really needs to be compatible with our neighborhood and i want you to think about that when you are doing this. I live at 3550 utah street and a little more about the neighbor character, here is a picture. And we dont know how to get the little picture up on it. There we go. And basically that is the neighborhood that we are living in, and it has got two and three Story Buildings. And also, what is kind of interesting, is the maripsa gardens that are the low Income Housing development right next to it which is fille ....
Arranging anything and we looked at the building, and one thing that, one diagram that i would like to show you if i may have the overhead. Lighter gray is the approximately location of the foundation. And this is where our building would go and we are hoping to put the Foundation Next to the club and as you can see we dont have substantial excavation and our driveway is where it is today and as the previous building was located. We have changes from the club and i am going to have brad talk to you more about that. And so, this changes that we have done on this has resulted in the loss of about 500 square feet and two levels. And loss of two units and height, next to the club, and then, i want to talk to you more in depth. And in regards to that design aspect. My name is brad inaudible with the senior design staff. We prepared provision and we met with the planning staff and we met with them a couple of times to discuss the optio ....