than ever. banks don't have a lending problem. >> stephanie, how to you get a strong balance sheet? you hoard cash, you don't lend. the strongest balance sheet is a cash balance sheet. >> if goldman sachs, jp morgan aren't lending, they are lending. >> they are lending to the most credit worthy borrowers in the world. you don't expand the economy by lending to the top borrowers, you expd the economy by lending the smaller medium size businesses that are hiring people to grow their businesses. we all know that the very credit worthy borrowers in the world have access to capital and bank loans and capital markets. that's not where economic growth comes from. economic growth comes from this sole proprietier ha has ten employees to 30 employees. >> you think that -- >> they triple their employees. that's how you create employment growth. we know that. the facts are out there, small and medium sized businesses