and when you want attract customers, people love to have a great culture. that's the first thing. second of all, they're building employee loyalty is really important. the employees love to go to work, and that's one of the most important things. >> we have to wrap up. one quick thing. can funny be learned? can you learn to be funny? >> i've seen people start out that were terrible, and they're still pretty horrible, but they're much better. there's always hope. >> thanks so much you guys. with money still hard to come by, small business owners have had to get creative to survive. in this installment of "where's the money," we revisit an investment owner who was strapped for cash and came up with a clever idea to fund his business after the banks turned him down. >> in the sleepy town of hastings on hudson at a small