world today have access to capital, access to bank loan, access to capital markets. that s not where economic growth comes from. economic growth comes from the sole proprietor that has ten employees that they can get a loan from a bank, they can go from ten employees to 30 employees. they triple their employees. that s how you create employment growth in the country. we know that. the facts are out there. small and medium sized businesses drive employment growth. they have not been able to get loans? they have not been able to get loans because the creditworthiness of those institutions doesn t score well enough for the highly regulated institutions to give them loans and they don t have access to the capital markets. we do need smart regulation, though, correct? of course we do. we re very pro smart regulation. we re not anti-regulation. we re pro smart regulation that helps the economy grow and helps create jobs. as you know, we re in job month. we ve been in job month. every