just not in gear. i want to invite our panelists. we have a small business attorney, columnist. and jen hill is an attorney which she represents emerging growth companies. thanks for joining us. you work with a lot of new businesses. i am seeing that companies are more hesitant. it looks at sector. if you look at the technology industry, companies are spending money. but the ways have shifted ten years ago. it costs less money to roll out a product and to test your market faster and use that feed back in order to develop your product further. we re seeing hesitation in many traditional businesses and based on location. you look at sun belt there s not a lot of retail going on. not a lot of ancillary businesses attached to the housing market. you re seeing places where the economy is harder hit with jobs and housing and that s