innovate, adapt in a changing world. talking to ruth, she reminds me it's not easy keeping up with health care costs and so she is very anxious to see health care reform passed so small businesses can pick up the cost for their employees. and in this deep and lasting recession, a hard job has been that much harder because for much of the last year, people weren't buying and customers weren't calling and banks were not lending. but even in the face of these obstacles, even in these tough times, all across the country, there are people like rick and dennis and ruth and will who haven't given up. you guys wake up every day and seek a way to safely navigate these troubled waters, to fulfill your obligations to your fami families and to your employees and your customers. and in that determination, that resolve, you embody what's best in america and you keep making