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and we cannot help you, and people say, i do not want to do this. we pencil it out for them, and it helps him understand what they are spending to file it, and they may or may not agree to it. do people understand if they come to us without the benefit of attorney the board would spend over backwards to help fund to help them, or do you tell them you are mean? we call them and we are mean and a horrible, board is not a court of law. we explain the board is to help people, but you need for out of five votes. i need these commissioners to side me to side with me, and that could be for any person. some people think they can come in and file the appeal and walk away, and not even show up to the hearing, and we will sign it and send them a letter. some people think that is how it works, but when we explain it is more involved than that. other people do not know we suspend dept. boa action. and now they do not want the animosity with their neighbors. all sorts of issues c
there was once a velveteen rabbit. usually when the bunny first comes out ago, ah, the rabbit. i think kids can relate to it. and they built love nana. nana is the man at all figure in the show, and she represents stern love. the ferry is also played by the same person. the fairy is played by the same person. it is like the love you have for your first child. pure love. i think nature is a beautiful thing. all the wild rabbits come from nature. i like that. i think nature is mysterious, a beautiful, and not something our kids get very much these days. there is fantastical spectacle these days because of computers and films. i feel that in a live performance, being pared down, you can be more successful you can ask everybody to buy into the world you re in. if it is a simple world, they will buy into it, as long as the world is consistent that you have onstage. in some ways, i also want that message for kids. the world does not have to be spectacle. the world can b
it took me three years to get. we need more capital. i tried to get a line of credit from wells capital. i was decline. where does someone like myself go? i have a loan, i need additional funding. did you try through the sba? i already have an sba loan. i went to wells fargo for a line of credit and they would not give me one. i can speak to you about it. when we look at funds that are needed, the biggest thing we look at our cash flow. i can address that with you. unless there is an issue, at that point [inaudible] let s talk, ok. i have a couple of more questions. i know that the panelists have agreed to stay after for those who have specific questions. i do have one question for wells fargo. what are the typical rules for applying for sba loan of less than $50,000? how much money do we need to have in your bank to apply for a loan? i am on the smaller side of the bank. i am a transaction guy. i do not technically require one to have an account to do a loan wi
[inaudible] [inaudible] i heard something about sba guaranteed loans. maybe i missed something. does that have to do with the sba guaranteeing the entity? the question on the sba guaranteeing a entity as the order of the business, whether it is a corporation or partnership, for any small business lending, you should expect to be guaranteeing that long personally. as a small-business owner, from a lender s point of view, we want to see that you are as invested in the business as you are asking the bank to be. the idea that non recourse loans, the way you describe it, loans that you get without having yourself personally liable is not the way it works. you should assume you will guarantee the loan regardless of the structure of your business. the good news, though, for businesses like you are describing, internet business, is that the capital requirements for that type of business is generally small. you are able to get yourself further along and share in revenues with a
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