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8rem);--wp--preset--spacing--80: clamp(7rem, 14vw, 11rem);--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:root { --wp--style--global--content-size: 1210px;--wp--style--global--wide-size: 1440px; }:where(body) { margin: 0; }.wp-site-blocks { padding-top: var(--wp--style--root--padding-top); padding-bottom: var(--wp--style--root--padding-bottom); }.has-global-padding { padding-right: var(--wp--style--root--padding-right); padding-left: var(--wp--style--root--padding-left); }.has-global-padding > .alignfull { margin-right: calc(var(--wp--style--root--padding-right) * -1); margin-left: calc(var(--wp--style--root--padding-left) * -1); }.has-global-padding :where(:not(.alignfull.is-layout-flow) > 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!important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{background-color: var(--wp--preset--color--primary-off-white);color: var(--wp--preset--color--contrast);font-family: "Greycliff CF", sans-serif;font-size: var(--wp--preset--font-size--small);line-height: 1.6;--wp--style--root--padding-top: var(--wp--preset--spacing--40);--wp--style--root--padding-right: var(--wp--preset--spacing--30);--wp--style--root--padding-bottom: var(--wp--preset--spacing--40);--wp--style--root--padding-left: var(--wp--preset--spacing--30);}a:where(:not(.wp-element-button)){color: var(--wp--preset--color--primary-teal);text-decoration: underline;}:root :where(a:where(:not(.wp-element-button)):hover){color: var(--wp--preset--color--primary-teal);text-decoration: none;}:root :where(a:where(:not(.wp-element-button)):focus){text-decoration: underline dashed;}:root :where(a:where(:not(.wp-element-button)):active){color: var(--wp--preset--color--secondary);text-decoration: none;}h1, h2, h3, h4, h5, h6{font-weight: 400;line-height: 1.4;}h1{color: var(--wp--preset--color--primary-navy);font-size: var(--wp--preset--font-size--xx-large);font-weight: 700;line-height: 1.2;}h2{font-size: var(--wp--preset--font-size--x-medium);font-weight: 700;line-height: 1.2;}h3{font-size: var(--wp--preset--font-size--medium);font-weight: 700;}h4{font-size: clamp(1.052rem, 1.052rem + ((1vw - 0.2rem) * 0.819), 1.625rem);font-weight: 700;}h5{font-size: clamp(0.984rem, 0.984rem + ((1vw - 0.2rem) * 0.737), 1.5rem);font-weight: 700;text-transform: uppercase;}h6{font-size: clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.536), 1.25rem);font-weight: 700;text-transform: uppercase;}:root :where(.wp-element-button, .wp-block-button__link){background-color: var(--wp--preset--color--primary);border-radius: 0;border-color: var(--wp--preset--color--primary-teal);border-width: 0;color: var(--wp--preset--color--contrast);font-family: inherit;font-size: inherit;line-height: inherit;padding: calc(0.667em + 2px) calc(1.333em + 2px);text-decoration: none;}:root :where(.wp-element-button:visited, .wp-block-button__link:visited){color: var(--wp--preset--color--contrast);}:root :where(.wp-element-button:hover, .wp-block-button__link:hover){background-color: var(--wp--preset--color--primary-darkened-teal);color: var(--wp--preset--color--base);}:root :where(.wp-element-button:focus, .wp-block-button__link:focus){background-color: var(--wp--preset--color--contrast);color: var(--wp--preset--color--base);}:root :where(.wp-element-button:active, .wp-block-button__link:active){background-color: var(--wp--preset--color--secondary);color: var(--wp--preset--color--base);}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-base-color{color: var(--wp--preset--color--base) !important;}.has-contrast-color{color: var(--wp--preset--color--contrast) !important;}.has-primary-midnight-color{color: var(--wp--preset--color--primary-midnight) !important;}.has-primary-teal-color{color: var(--wp--preset--color--primary-teal) !important;}.has-primary-lightened-teal-color{color: var(--wp--preset--color--primary-lightened-teal) !important;}.has-primary-darkened-teal-color{color: var(--wp--preset--color--primary-darkened-teal) !important;}.has-primary-navy-color{color: var(--wp--preset--color--primary-navy) !important;}.has-primary-blue-color{color: var(--wp--preset--color--primary-blue) !important;}.has-primary-silver-color{color: var(--wp--preset--color--primary-silver) !important;}.has-primary-cream-color{color: var(--wp--preset--color--primary-cream) !important;}.has-primary-off-white-color{color: var(--wp--preset--color--primary-off-white) !important;}.has-primary-bisque-color{color: var(--wp--preset--color--primary-bisque) !important;}.has-secondary-linen-color{color: var(--wp--preset--color--secondary-linen) !important;}.has-secondary-orange-color{color: var(--wp--preset--color--secondary-orange) !important;}.has-secondary-green-color{color: var(--wp--preset--color--secondary-green) !important;}.has-secondary-gold-color{color: var(--wp--preset--color--secondary-gold) !important;}.has-secondary-pink-color{color: var(--wp--preset--color--secondary-pink) !important;}.has-secondary-pink-alt-color{color: var(--wp--preset--color--secondary-pink-alt) !important;}.has-alert-red-alert-color{color: var(--wp--preset--color--alert-red-alert) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: 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var(--wp--preset--color--primary-darkened-teal) !important;}.has-primary-navy-background-color{background-color: var(--wp--preset--color--primary-navy) !important;}.has-primary-blue-background-color{background-color: var(--wp--preset--color--primary-blue) !important;}.has-primary-silver-background-color{background-color: var(--wp--preset--color--primary-silver) !important;}.has-primary-cream-background-color{background-color: var(--wp--preset--color--primary-cream) !important;}.has-primary-off-white-background-color{background-color: var(--wp--preset--color--primary-off-white) !important;}.has-primary-bisque-background-color{background-color: var(--wp--preset--color--primary-bisque) !important;}.has-secondary-linen-background-color{background-color: var(--wp--preset--color--secondary-linen) !important;}.has-secondary-orange-background-color{background-color: var(--wp--preset--color--secondary-orange) !important;}.has-secondary-green-background-color{background-color: var(--wp--preset--color--secondary-green) !important;}.has-secondary-gold-background-color{background-color: var(--wp--preset--color--secondary-gold) !important;}.has-secondary-pink-background-color{background-color: var(--wp--preset--color--secondary-pink) !important;}.has-secondary-pink-alt-background-color{background-color: var(--wp--preset--color--secondary-pink-alt) !important;}.has-alert-red-alert-background-color{background-color: var(--wp--preset--color--alert-red-alert) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-base-border-color{border-color: var(--wp--preset--color--base) !important;}.has-contrast-border-color{border-color: var(--wp--preset--color--contrast) !important;}.has-primary-midnight-border-color{border-color: var(--wp--preset--color--primary-midnight) !important;}.has-primary-teal-border-color{border-color: 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!important;}.has-secondary-orange-border-color{border-color: var(--wp--preset--color--secondary-orange) !important;}.has-secondary-green-border-color{border-color: var(--wp--preset--color--secondary-green) !important;}.has-secondary-gold-border-color{border-color: var(--wp--preset--color--secondary-gold) !important;}.has-secondary-pink-border-color{border-color: var(--wp--preset--color--secondary-pink) !important;}.has-secondary-pink-alt-border-color{border-color: var(--wp--preset--color--secondary-pink-alt) !important;}.has-alert-red-alert-border-color{border-color: var(--wp--preset--color--alert-red-alert) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}.has-x-small-font-size{font-size: var(--wp--preset--font-size--x-small) !important;}.has-xx-small-font-size{font-size: var(--wp--preset--font-size--xx-small) !important;}.has-x-medium-font-size{font-size: var(--wp--preset--font-size--x-medium) !important;}.has-xx-large-font-size{font-size: var(--wp--preset--font-size--xx-large) !important;}.has-data-viz-medium-font-size{font-size: var(--wp--preset--font-size--data-viz-medium) !important;}.has-data-viz-large-font-size{font-size: var(--wp--preset--font-size--data-viz-large) !important;}.has-greycliff-cf-font-family{font-family: var(--wp--preset--font-family--greycliff-cf) !important;} :root :where(.wp-block-button .wp-block-button__link){background-color: var(--wp--preset--color--primary-teal);border-radius: 4px;border-color: var(--wp--preset--color--primary-teal);border-style: solid;color: var(--wp--preset--color--base);font-size: var(--wp--preset--font-size--x-small);font-weight: 700;} :root :where(.wp-block-post-title){font-size: var(--wp--preset--font-size--x-large);font-weight: 700;margin-top: 1.25rem;margin-bottom: 1.25rem;} :root :where(.wp-block-post-title a:where(:not(.wp-element-button))){text-decoration: none;} :root :where(.wp-block-post-title a:where(:not(.wp-element-button)):hover){text-decoration: underline;} :root :where(.wp-block-post-title a:where(:not(.wp-element-button)):focus){text-decoration: 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href="https://www.frbsf.org/about-us/our-district/">Our District</a></li></ol></nav> <h1 class="wp-block-post-title has-text-color has-base-color">Hawai’i</h1> </div> </div> </div> </header> <main class="wp-block-group is-layout-flow wp-block-group-is-layout-flow"> <div class="entry-content wp-block-post-content has-global-padding is-layout-constrained wp-block-post-content-is-layout-constrained"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex"> <div class="wp-block-column sffed-two-col__main-content-col is-layout-flow wp-block-column-is-layout-flow" style="padding-right:0;flex-basis:75%"> <h2 class="wp-block-heading">Overview</h2> <p>Hawai’i is unique in many ways—it’s the only U.S. state outside North America, the only state that’s an archipelago, and the only state in the tropics. Hawai’i’s coastlines and natural beauty draw millions of visitors to the state every year, helping to make leisure and hospitality one of the state’s strongest industries.</p> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:25%"> <h2 class="wp-block-heading">Contacts</h2> <div class="wp-block-group is-layout-flow wp-block-group-is-layout-flow"> <p class="sffed-is-demi-bold has-x-small-font-size">REGIONAL & BUSINESS ENGAGEMENT</p> <figure class="wp-block-image size-full is-resized is-style-default"><img decoding="async" width="370" height="370" src="https://www.frbsf.org/wp-content/uploads/Leadership_Delay_sm_91aefc-edited.jpg" alt="Stephen DeLay" class="wp-image-68850" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/Leadership_Delay_sm_91aefc-edited.jpg 370w, https://www.frbsf.org/wp-content/uploads/Leadership_Delay_sm_91aefc-edited.jpg?resize=150,150 150w, https://www.frbsf.org/wp-content/uploads/Leadership_Delay_sm_91aefc-edited.jpg?resize=300,300 300w" sizes="(max-width: 370px) 100vw, 370px" /></figure> <p class="has-x-small-font-size"><strong><a href="/our-people/regional-executives/stephen-delay/">Stephen DeLay</a></strong><br>Regional Executive</p> </div> <div class="wp-block-group is-layout-flow wp-block-group-is-layout-flow"> <p class="sffed-is-demi-bold has-x-small-font-size">COMMUNITY DEVELOPMENT</p> <figure class="wp-block-image size-full is-resized is-style-default"><img decoding="async" width="400" height="400" src="https://www.frbsf.org/wp-content/uploads/jon-ford.jpg" alt="Jon Ford" class="wp-image-27723" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/jon-ford.jpg 400w, https://www.frbsf.org/wp-content/uploads/jon-ford.jpg?resize=150,150 150w, https://www.frbsf.org/wp-content/uploads/jon-ford.jpg?resize=300,300 300w" sizes="(max-width: 400px) 100vw, 400px" /></figure> <p class="has-x-small-font-size"><strong><a href="/our-people/experts/jon-ford/">Jon Ford</a></strong><br>Outreach Manager</p> </div> </div> </div> <div class="wp-block-group is-layout-flow wp-block-group-is-layout-flow"> <div class="wp-block-sffed-group-accordion sffed_accordion_285f2ed5-0164-4563-8626-4b687f8bc4cf"> <div class="wp-block-sffed-accordion-item sffed__accordion_container sffed__accordion_item_container" style="margin-top:0px;margin-bottom:15px"><div class="sffed__accordion_head sffed_right_icon" data-active="false" style="color:#333333;background-color:transparent;padding:10px 15px 10px 15px"><div class="sffed__accordion_heading sffed_right_icon"><h4 class="sffed__accordion_title" style="margin:0;color:#333333">Government & Civic Relations Contacts</h4></div><div class="sffed__accordion_icon" style="color:#028580;background-color:transparent"><span class="sffed__icon dashicons dashicons-plus-alt2"></span></div></div><div class="sffed__accordion_body " role="region" style="background-color:transparent;padding:10px 15px 10px 15px"> <p class="sffed-meta-kicker" style="margin-top:0;margin-bottom:var(--wp--preset--spacing--20)">These are THE government and civic relations CONTACTS IN THE STATE OF hawai’i</p> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="740" height="740" src="https://www.frbsf.org/wp-content/uploads/GCR-Contact_Frisch_sm_STATE-PG.jpg" alt="" class="wp-image-71367" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/GCR-Contact_Frisch_sm_STATE-PG.jpg 740w, https://www.frbsf.org/wp-content/uploads/GCR-Contact_Frisch_sm_STATE-PG.jpg?resize=150,150 150w, https://www.frbsf.org/wp-content/uploads/GCR-Contact_Frisch_sm_STATE-PG.jpg?resize=300,300 300w" sizes="(max-width: 740px) 100vw, 740px" /></figure> <p><a href="https://www.frbsf.org/our-people/experts/nicole-frisch" data-type="sffed_people" data-id="71358">Nicole Frisch</a></p> <p class="has-xx-small-font-size"><strong>Vice President, Government & Civic Relations</strong><br></p> </div> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" src="https://www.frbsf.org/wp-content/uploads/bod-jessica-garcia-200x200-1.jpg" alt="" class="wp-image-168131" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/bod-jessica-garcia-200x200-1.jpg 200w, https://www.frbsf.org/wp-content/uploads/bod-jessica-garcia-200x200-1.jpg?resize=150,150 150w" sizes="(max-width: 200px) 100vw, 200px" /></figure> <p><a href="https://www.frbsf.org/our-people/experts/jessica-garcia/" data-type="sffed_people" data-id="71364">Jessica García</a></p> <p class="has-xx-small-font-size"><strong>Program Manager, Government & Civic Relations</strong><br></p> </div> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"></div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"></div> </div> </div></div> </div> <div class="wp-block-sffed-group-accordion sffed_accordion_4cffb25d-97f3-47c0-abf4-9f3d1e347a28"> <div class="wp-block-sffed-accordion-item sffed__accordion_container sffed__accordion_item_container" style="margin-top:0px;margin-bottom:15px"><div class="sffed__accordion_head sffed_right_icon" data-active="false" style="color:#333333;background-color:transparent;padding:10px 15px 10px 15px"><div class="sffed__accordion_heading sffed_right_icon"><h4 class="sffed__accordion_title" style="margin:0;color:#333333">Local Leadership</h4></div><div class="sffed__accordion_icon" style="color:#028580;background-color:transparent"><span class="sffed__icon dashicons dashicons-plus-alt2"></span></div></div><div class="sffed__accordion_body " role="region" style="background-color:transparent;padding:10px 15px 10px 15px"> <p class="sffed-meta-kicker" style="margin-top:0;margin-bottom:var(--wp--preset--spacing--20)">These are representatives of Hawaii who serve on these Twelfth District Board and Councils</p> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" src="https://www.frbsf.org/wp-content/uploads/cac-ryan-kusumoto-200x200px.jpg" alt="Ryan Kusumoto" class="wp-image-25172" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/cac-ryan-kusumoto-200x200px.jpg 200w, https://www.frbsf.org/wp-content/uploads/cac-ryan-kusumoto-200x200px.jpg?resize=150,150 150w" sizes="(max-width: 200px) 100vw, 200px" /></figure> <p><strong>Ryan Kusumoto (2026)</strong></p> <p class="has-xx-small-font-size"><strong>Chair of the Community Advisory Council</strong><br>President and<br>Chief Executive Officer<br>Parents and Children Together (PACT) – Hawai’i<br>Honolulu, Hawai’i</p> </div> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" src="https://www.frbsf.org/wp-content/uploads/cdiac-catherine-ngo-200x200px.jpg" alt="Catherine Ngo" class="wp-image-25175" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/cdiac-catherine-ngo-200x200px.jpg 200w, https://www.frbsf.org/wp-content/uploads/cdiac-catherine-ngo-200x200px.jpg?resize=150,150 150w" sizes="(max-width: 200px) 100vw, 200px" /></figure> <p><strong>Catherine Ngo (2025)</strong></p> <p class="has-xx-small-font-size"><strong>Chair of the Community Depository Institutions Advisory Council</strong><br>Board Member,<br>Former President and<br>Chief Executive Officer<br>Central Pacific Financial Corp<br>Honolulu, Hawai’i</p> </div> </div> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" src="https://www.frbsf.org/wp-content/uploads/bod_headshot_Ed_Schultz.jpg" alt="" class="wp-image-162749" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/bod_headshot_Ed_Schultz.jpg 200w, https://www.frbsf.org/wp-content/uploads/bod_headshot_Ed_Schultz.jpg?resize=150,150 150w" sizes="(max-width: 200px) 100vw, 200px" /></figure> <p><strong>Ed Schultz (2026)</strong></p> <p class="has-xx-small-font-size"><strong>Economic Advisory Council</strong><br>President and<br>Chief Executive Officer<br>Hawaiian Host Group<br>Honolulu, Hawai’i</p> </div> </div> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" src="https://www.frbsf.org/wp-content/uploads/FAC-Bob-Harrison-200x200-1.jpg" alt="Robert (Bob) Harrison" class="wp-image-67238" style="object-fit:cover;width:200px;height:200px" srcset="https://www.frbsf.org/wp-content/uploads/FAC-Bob-Harrison-200x200-1.jpg 200w, https://www.frbsf.org/wp-content/uploads/FAC-Bob-Harrison-200x200-1.jpg?resize=150,150 150w" sizes="(max-width: 200px) 100vw, 200px" /></figure> <p><strong>Robert (Bob) Harrison (2025)</strong></p> <p class="has-xx-small-font-size"><strong>Federal Advisory Council Member</strong><br>Chairman, President, and<br>Chief Executive Officer<br>First Hawaiian Bank and <br>First Hawaiian Inc.<br>Honolulu, Hawai’i</p> </div> </div> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"></div> </div> </div></div> </div> </div> <div class="wp-block-sffed-group-accordion sffed_accordion_f075cfba-b852-4d1b-b8ca-d1a6898a0e7c"> <div class="wp-block-sffed-accordion-item sffed__accordion_container sffed__accordion_item_container" style="margin-top:0px;margin-bottom:15px"><div class="sffed__accordion_head sffed_right_icon" data-active="false" style="color:#333333;background-color:transparent;padding:10px 15px 10px 15px"><div class="sffed__accordion_heading sffed_right_icon"><h4 class="sffed__accordion_title" style="margin:0;color:#333333">Latest Research</h4></div><div class="sffed__accordion_icon" style="color:#028580;background-color:transparent"><span class="sffed__icon dashicons dashicons-plus-alt2"></span></div></div><div class="sffed__accordion_body " role="region" style="background-color:transparent;padding:10px 15px 10px 15px"> <div class="wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="928" height="619" src="https://www.frbsf.org/wp-content/uploads/sunset-hawaii-state-page.jpg" alt="" class="wp-image-27668" srcset="https://www.frbsf.org/wp-content/uploads/sunset-hawaii-state-page.jpg 928w, https://www.frbsf.org/wp-content/uploads/sunset-hawaii-state-page.jpg?resize=300,200 300w, https://www.frbsf.org/wp-content/uploads/sunset-hawaii-state-page.jpg?resize=768,512 768w" sizes="(max-width: 928px) 100vw, 928px" /></figure> <p class="sffed-meta-kicker sffed-has-padding-top-none">Community Development Data</p> <h2 class="wp-block-heading sffed-has-no-underline has-medium-font-size"><a href="https://www.frbsf.org/research-and-insights/data-and-indicators/community-development-data/2021-small-business-credit-survey-reports/" data-type="sffed_data" data-id="64311">2021 Small Business Credit Survey Reports: Hawai’i</a></h2> <p class="sffed-has-no-underline has-primary-teal-color has-text-color has-link-color has-x-small-font-size wp-elements-803fffdd831d3b5b93ae4609b4f65367"><a href="https://www.frbsf.org/about-us/community-development-and-engagement/community-development/">Community Development</a></p> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <div class="wp-block-query is-layout-flow wp-block-query-is-layout-flow"><ul class="wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow"><li class="wp-block-post post-123721 post type-post status-publish format-standard has-post-thumbnail hentry category-around-the-district tag-community-banking tag-hawaii tag-housing-and-real-estate tag-labor-market tag-maui tag-posts-around-the-district tag-posts-banking tag-regions-hawaii business-lines-banking regions-type-hawaii topics-type-banking topics-type-community-banking topics-type-housing-real-estate topics-type-labor-markets"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:50%"><figure style="aspect-ratio:4/3;" class="wp-block-post-featured-image"><a href="https://www.frbsf.org/research-and-insights/blog/around-the-district/2024/09/23/bankers-roundtable-in-hawaii-navigating-economic-uncertainty-and-local-challenges/" target="_self" ><img loading="lazy" decoding="async" width="1400" height="540" src="https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?quality=100&w=1400&h=540&crop=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="Insights from the Bankers Roundtable in Hawai’i: Navigating Economic Uncertainty and Local Challenges" style="width:100%;height:100%;object-fit:cover;" /></a></figure></div> <div class="wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:50%"><h2 class="wp-block-post-title has-small-font-size"><a href="https://www.frbsf.org/research-and-insights/blog/around-the-district/2024/09/23/bankers-roundtable-in-hawaii-navigating-economic-uncertainty-and-local-challenges/" target="_self" >Insights from the Bankers Roundtable in Hawai’i: Navigating Economic Uncertainty and Local Challenges</a></h2></div> </div> </li><li class="wp-block-post post-65210 post type-post status-publish format-standard has-post-thumbnail hentry category-community-development tag-posts-community-development tag-regions-california tag-regions-utah tag-regions-washington business-lines-community-development people-associated-sarah-simms regions-type-alaska regions-type-california regions-type-hawaii regions-type-washington topics-type-small-businesses"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:50%"><figure style="aspect-ratio:4/3;" class="wp-block-post-featured-image"><a href="https://www.frbsf.org/research-and-insights/blog/community-development/2023/10/19/how-are-small-businesses-in-the-western-us-faring/" target="_self" ><img loading="lazy" decoding="async" width="670" height="340" src="https://www.frbsf.org/wp-content/uploads/open-sign-on-business-storefront670x340.jpg?quality=100&w=670&h=340&crop=1" class="attachment-post-thumbnail size-post-thumbnail wp-post-image" alt="How Are Small Businesses in the Western U.S. Faring?" style="width:100%;height:100%;object-fit:cover;" srcset="https://www.frbsf.org/wp-content/uploads/open-sign-on-business-storefront670x340.jpg 670w, https://www.frbsf.org/wp-content/uploads/open-sign-on-business-storefront670x340.jpg?resize=300,152 300w" sizes="(max-width: 670px) 100vw, 670px" /></a></figure></div> <div class="wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:50%"><h2 class="wp-block-post-title has-small-font-size"><a href="https://www.frbsf.org/research-and-insights/blog/community-development/2023/10/19/how-are-small-businesses-in-the-western-us-faring/" target="_self" >How Are Small Businesses in the Western U.S. Faring?</a></h2></div> </div> </li><li class="wp-block-post post-31180 post type-post status-publish format-standard hentry category-community-development category-sf-fed-blog business-lines-community-development"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:50%"></div> <div class="wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow" style="flex-basis:50%"><h2 class="wp-block-post-title has-small-font-size"><a href="https://www.frbsf.org/research-and-insights/blog/sf-fed-blog/2020/05/27/how-are-nonprofits-that-serve-the-western-u-s-weathering-the-covid-19-crisis/" target="_self" >How are Nonprofits that Serve the Western U.S. Weathering the COVID-19 Crisis?</a></h2></div> </div> </li></ul></div> </div> </div> </div> </div></div> </div> <div class="wp-block-group alignfull sffed-group--min-height has-base-color has-primary-navy-background-color has-text-color has-background is-layout-flow wp-block-group-is-layout-flow" style="padding-top:var(--wp--preset--spacing--30);padding-right:0;padding-bottom:var(--wp--preset--spacing--30);padding-left:0"> <div class="wp-block-group alignfull has-primary-navy-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained" style="padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)"> <div class="wp-block-media-text has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-center has-base-color has-primary-navy-background-color has-text-color has-background" style="grid-template-columns:auto 69%"><div class="wp-block-media-text__content"> <div class="wp-block-columns has-primary-teal-background-color has-background is-layout-flex wp-container-core-columns-is-layout-10 wp-block-columns-is-layout-flex" style="border-radius:5px"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow" style="padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);flex-basis:100%"> <p class="sffed-meta-kicker">Feature</p> <h3 class="wp-block-heading">Insights from the Bankers Roundtable in Hawai’i: Navigating Economic Uncertainty and Local Challenges</h3> <div class="wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex"> <div class="wp-block-button is-style-with-left-arrow"><a class="wp-block-button__link has-primary-navy-background-color has-background wp-element-button" href="https://www.frbsf.org/research-and-insights/blog/around-the-district/2024/09/20/bankers-roundtable-in-hawaii-navigating-economic-uncertainty-and-local-challenges/">Read the Blog</a></div> </div> </div> </div> </div><figure class="wp-block-media-text__media"><img loading="lazy" decoding="async" width="850" height="700" src="https://www.frbsf.org/wp-content/uploads/state_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?quality=100&w=850" alt="" class="wp-image-123744 size-full" 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srcset="https://www.frbsf.org/wp-content/uploads/OOTP_News-Media_First-Gen-College-Grads.jpg 670w, https://www.frbsf.org/wp-content/uploads/OOTP_News-Media_First-Gen-College-Grads.jpg?resize=300,152 300w" sizes="(max-width: 670px) 100vw, 670px" /></div><div class="sffed-curated-carousel-header"><header><h3 class="sffed-headline"><a href="/our-people/unreserved/first-gen-day/">Celebrating the Stories of First-Generation College Graduates</a> </h3></header></div></div><div class="swiper-lazy-preloader"></div></article><article class="swiper-slide sffed-curated-carousel-article"><div class="sffed-curated-carousel-card sffed-curated-heading "><div class="sffed-curated-carousel-thumbnail sffed-almost-square-ratio"><img decoding="async" width="670" height="340" src="https://www.frbsf.org/wp-content/uploads/OOTP_News-Media_USC-Write-a-Letter.jpg?quality=100?w=350&h=350&crop=1" alt="OOTP_News Media_USC Write a Letter" class="sffed-thumbnail-image wp-image-70936" loading="lazy" srcset="https://www.frbsf.org/wp-content/uploads/OOTP_News-Media_USC-Write-a-Letter.jpg 670w, https://www.frbsf.org/wp-content/uploads/OOTP_News-Media_USC-Write-a-Letter.jpg?resize=300,152 300w" sizes="(max-width: 670px) 100vw, 670px" /></div><div class="sffed-curated-carousel-header"><header><h3 class="sffed-headline"><a href="https://www.frbsf.org/news-and-media/speeches/mary-c-daly/2022/05/what-will-your-letter-say/">What Will Your Letter Say?</a> </h3></header></div></div><div class="swiper-lazy-preloader"></div></article></div></div></div></div></div> </div> </div> <div class="wp-block-group alignfull has-primary-cream-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained" style="padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)"> <div class="wp-block-group sffed-margin-top-negative 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sffed-navigation__faceted-search--label sffed-typography__centered" data-name="search_results_count" data-type="pager"></div> <div class="facetwp-template" data-name="states"><div class="fwpl-layout el-lkjyw"><div class="fwpl-result r1"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="865" height="690" src="https://www.frbsf.org/wp-content/uploads/carousel_green_BeigeBook_Template.jpg?quality=100&w=865" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/carousel_green_BeigeBook_Template.jpg 865w, https://www.frbsf.org/wp-content/uploads/carousel_green_BeigeBook_Template.jpg?resize=300,239 300w, https://www.frbsf.org/wp-content/uploads/carousel_green_BeigeBook_Template.jpg?resize=768,613 768w" sizes="(max-width: 865px) 100vw, 865px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label">Series: <span class="fwpl-term fwpl-term-san-francisco-fed-twelfth-district-beige-book fwpl-tax-publication-type"><a href="https://www.frbsf.org/research-and-insights/publications/san-francisco-fed-twelfth-district-beige-book">Twelfth District Beige Book</a></span></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/publications/san-francisco-fed-twelfth-district-beige-book/2025/01/beige-book-january-2025">Twelfth District Beige Book: January 2025</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker is-empty"></div></div></div></div><div class="fwpl-result r2"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="865" height="690" src="https://www.frbsf.org/wp-content/uploads/carousel_2024_BeigeBook_December.jpg?quality=100&w=865" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/carousel_2024_BeigeBook_December.jpg 865w, https://www.frbsf.org/wp-content/uploads/carousel_2024_BeigeBook_December.jpg?resize=300,239 300w, https://www.frbsf.org/wp-content/uploads/carousel_2024_BeigeBook_December.jpg?resize=768,613 768w" sizes="(max-width: 865px) 100vw, 865px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label">Series: <span class="fwpl-term fwpl-term-san-francisco-fed-twelfth-district-beige-book fwpl-tax-publication-type"><a href="https://www.frbsf.org/research-and-insights/publications/san-francisco-fed-twelfth-district-beige-book">Twelfth District Beige Book</a></span></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/publications/san-francisco-fed-twelfth-district-beige-book/2024/12/beige-book-november-2024">Twelfth District Beige Book: November 2024</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker is-empty"></div></div></div></div><div class="fwpl-result r3"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="865" height="690" src="https://www.frbsf.org/wp-content/uploads/carousel_CD_brief_homeownership-1101.jpg?quality=100&w=865" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/carousel_CD_brief_homeownership-1101.jpg 865w, https://www.frbsf.org/wp-content/uploads/carousel_CD_brief_homeownership-1101.jpg?resize=300,239 300w, https://www.frbsf.org/wp-content/uploads/carousel_CD_brief_homeownership-1101.jpg?resize=768,613 768w" sizes="(max-width: 865px) 100vw, 865px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label">Series: <span class="fwpl-term fwpl-term-community-development-research-briefs fwpl-tax-publication-type"><a href="https://www.frbsf.org/research-and-insights/publications/community-development-research-briefs">Community Development Research Briefs</a></span></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/publications/community-development-research-briefs/2024/11/homeownership-opportunities-beyond-single-family">Homeownership Opportunities Beyond Single-Family: Quantifying the Current Landscape</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker"><span class="fwpl-term fwpl-term-alex-ramiller fwpl-tax-people-associated">Alex Ramiller</span>, <span class="fwpl-term fwpl-term-alex-schafran fwpl-tax-people-associated">Alex Schafran</span>, <span class="fwpl-term fwpl-term-lizzy-mattiuzzi fwpl-tax-people-associated">Lizzy Mattiuzzi</span></div></div></div></div><div class="fwpl-result r4"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="670" height="340" src="https://www.frbsf.org/wp-content/uploads/blog_feature_2024-Small-Business-Credit-Survey_1024.jpg?quality=100&w=670" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/blog_feature_2024-Small-Business-Credit-Survey_1024.jpg 670w, https://www.frbsf.org/wp-content/uploads/blog_feature_2024-Small-Business-Credit-Survey_1024.jpg?resize=300,152 300w" sizes="(max-width: 670px) 100vw, 670px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label">Insights: <span class="fwpl-term fwpl-term-community-development fwpl-tax-category">Community Development & District Engagement</span></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/blog/community-development/2024/10/24/small-business-credit-survey-2024/">Lift Up the Needs of Small Business Owners Through the Federal Reserve’s Small Business Credit Survey</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker"><span class="fwpl-term fwpl-term-crystal-theresa-ejanda fwpl-tax-people-associated">Crystal Theresa Ejanda</span>, <span class="fwpl-term fwpl-term-sarah-simms fwpl-tax-people-associated">Sarah Simms</span></div></div></div></div><div class="fwpl-result r5"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="1024" height="520" src="https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?quality=100&w=1024" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg 5500w, https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?resize=300,152 300w, https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?resize=768,390 768w, https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?resize=1024,520 1024w, https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?resize=1536,779 1536w, https://www.frbsf.org/wp-content/uploads/blog_feature_Blog-Insights-from-the-Bankers-Roundtable-in-Hawaii_091924.jpg?resize=2048,1039 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label">Insights: <span class="fwpl-term fwpl-term-around-the-district fwpl-tax-category">Around the District</span></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/blog/around-the-district/2024/09/23/bankers-roundtable-in-hawaii-navigating-economic-uncertainty-and-local-challenges/">Insights from the Bankers Roundtable in Hawai’i: Navigating Economic Uncertainty and Local Challenges</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker is-empty"></div></div></div></div><div class="fwpl-result r6"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="960" height="780" src="https://www.frbsf.org/wp-content/uploads/lightbox_MCD_Hawaii_Livestream_0805.jpg?quality=100&w=960" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/lightbox_MCD_Hawaii_Livestream_0805.jpg 960w, https://www.frbsf.org/wp-content/uploads/lightbox_MCD_Hawaii_Livestream_0805.jpg?resize=300,244 300w, https://www.frbsf.org/wp-content/uploads/lightbox_MCD_Hawaii_Livestream_0805.jpg?resize=768,624 768w" sizes="(max-width: 960px) 100vw, 960px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/news-and-media/events/2024/08/monetary-policy-and-economic-trends-mary-c-daly-2024">Monetary Policy and Economic Trends</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker"><span class="fwpl-term fwpl-term-mary-c-daly fwpl-tax-people-associated">Mary C. Daly</span></div></div></div></div><div class="fwpl-result r7"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="1024" height="683" src="https://www.frbsf.org/wp-content/uploads/feature-Recent-Innovations-in-Reducing-Home-Energy-Costs-and-Improving-Resilience-for-Low-and-Moderate-Income-Renters-and-Homeowners.jpg?quality=100&w=1024" class="attachment-medium-large size-medium-large wp-post-image" alt="" srcset="https://www.frbsf.org/wp-content/uploads/feature-Recent-Innovations-in-Reducing-Home-Energy-Costs-and-Improving-Resilience-for-Low-and-Moderate-Income-Renters-and-Homeowners.jpg 1050w, https://www.frbsf.org/wp-content/uploads/feature-Recent-Innovations-in-Reducing-Home-Energy-Costs-and-Improving-Resilience-for-Low-and-Moderate-Income-Renters-and-Homeowners.jpg?resize=300,200 300w, https://www.frbsf.org/wp-content/uploads/feature-Recent-Innovations-in-Reducing-Home-Energy-Costs-and-Improving-Resilience-for-Low-and-Moderate-Income-Renters-and-Homeowners.jpg?resize=768,512 768w, https://www.frbsf.org/wp-content/uploads/feature-Recent-Innovations-in-Reducing-Home-Energy-Costs-and-Improving-Resilience-for-Low-and-Moderate-Income-Renters-and-Homeowners.jpg?resize=1024,683 1024w" sizes="(max-width: 1024px) 100vw, 1024px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label">Series: <span class="fwpl-term fwpl-term-community-development-research-briefs fwpl-tax-publication-type"><a href="https://www.frbsf.org/research-and-insights/publications/community-development-research-briefs">Community Development Research Briefs</a></span></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/publications/community-development-research-briefs/2023/11/low-and-moderate-income-energy-cost-savings-and-resilience">Recent Innovations in Reducing Home Energy Costs and Improving Resilience for Low- and Moderate-Income Renters and Homeowners</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker"><span class="fwpl-term fwpl-term-lizzy-mattiuzzi fwpl-tax-people-associated">Lizzy Mattiuzzi</span>, <span class="fwpl-term fwpl-term-sarah-simms fwpl-tax-people-associated">Sarah Simms</span></div></div></div></div><div class="fwpl-result r8"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="670" height="340" src="https://www.frbsf.org/wp-content/uploads/open-sign-on-business-storefront670x340.jpg?quality=100&w=670" class="attachment-medium-large size-medium-large wp-post-image" alt="Open sign board on glass door." srcset="https://www.frbsf.org/wp-content/uploads/open-sign-on-business-storefront670x340.jpg 670w, https://www.frbsf.org/wp-content/uploads/open-sign-on-business-storefront670x340.jpg?resize=300,152 300w" sizes="(max-width: 670px) 100vw, 670px" /></div></div><div class="fwpl-col fwpl-col column--search-results"><div class="fwpl-item el-6syvg sffed-navigation__faceted-search--label">Insights: <span class="fwpl-term fwpl-term-community-development fwpl-tax-category">Community Development & District Engagement</span></div><div class="fwpl-item el-yudvzj sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-m7rtb sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-bgmh76 sffed-navigation__faceted-search--label is-empty"></div><div class="fwpl-item el-jniwwr sffed-typography__h2 sffed-line-height--tight"><a href="https://www.frbsf.org/research-and-insights/blog/community-development/2023/10/19/how-are-small-businesses-in-the-western-us-faring/">How Are Small Businesses in the Western U.S. Faring?</a></div><div class="fwpl-item el-t3mhvb sffed-meta-kicker"><span class="fwpl-term fwpl-term-sarah-simms fwpl-tax-people-associated">Sarah Simms</span></div></div></div></div><div class="fwpl-result r9"><div class="fwpl-row el-r85c5q"><div class="fwpl-col fwpl-col column--featured-image"><div class="fwpl-item el-o7lnzd sffed-image--landscape-thumbnail"><img loading="lazy" decoding="async" width="670" height="340" src="https://www.frbsf.org/wp-content/uploads/suburban-homes.jpg?quality=100&w=670" class="attachment-medium-large size-medium-large wp-post-image" alt="Aerial view of suburban neighborhood." 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