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hi there, everyone. i m j.j. ramberg and welcome to your business. we re back this week ready to help you grow your company. for those of you trying to do that, some mixed news this week. the national federation of independent business reported that small business owners optimism for the economy was down in march. the nfib optimism index down 1.3 points to 89.5. it was the first time confidence dropped since november of last year. the nfib also says that while actual hiring by small businesses has increased slightly, long-term hiring plans have come to a virtual halt. adding to concerns is the health care issue. the obama administration announced last week that they were delaying until 2015 parts of a program intended to help small business owners provide affordable health care. and some owners are even saying that they ll pay the federal penalty for not providing health care saying that would be less expensive for them. the vice president of media and communications at the