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right, no, the fact is that firms have slowed their job destruction, that's the good news, the bad news is they're not creating new jobs and the reason is they're worried about exactly where obama's policies are going to go. for example, in the health care bill, if firms don't provide people with health insurance that the government thinks is good enough, they're going to have to pay a $3000 fine per employee if they don't provide health insurance at all, it's a $2000 fine. suppose you're a small business right now, you really got to wonder if you want to add people going into those fines. it's something that will give you a great deal of pause. bill: what you're saying, you're not real sure what the future is going to hold but is it all health care, is that the argument you make, kevin? >> new york city that's not it at all. in fact, the bush tax cuts are going to expire, and so the marginal tax rate, which is pretty much the rate that's paid by most small business, is going up above 40 percent, they lifted it almost 4 percent in the health care bill, so there's been a big tax increase on small business and obama is going around giving speeches, talking about how

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