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james hosek, senior economist from the rand corporation. we will hear from mrs. crystal nicely the smh am an opening statement is a caregiver and spouse of an operation enduring freedom veteran. following her testimony we will hear from mrs. lorelei st. james, the director physical infrastructure for the government accountability office, and closing out a pen will be mrs. heidi golding who will be testifying on behalf of congressional budget office. she is cdos principal analyst for military and veterans compensation and the national security division. so thank you again to all of you for being here this morning for the support and. mr. reickhoff, we weekend with you. thank you, madam chair, members of the committee. on behalf of iraq and afghanistan and over to a thousand of her members and supporters, many of them are here today, thank you for inviting us to testify in the long-term costs of war for our generation of veterans. i served in iraq from 2003-2004 as a pl ....
burdensome very burdensome endeavor. so it is unfortunate that you characterize it as a safe harbor, that it is clearly interpretable by small businesses. i think it will be a vast boot to art industry and consumers to america as well. thank you. many in the baking industry have expressed concern that the dog frank adipocyte for lending to small businesses. how s that for small business committee then struggling to get credit for brains as well before the financial rates did? is there something that could be done perhaps outside of this lot were something different to hope thank you, the first answer is yes. the challenge small businesses face in the credit markets right now are not 2011 or 2010. they ve been around for several years now. it is not improving. that is a real concern. you know, honestly at this point, part of what everybody is. this lets not do anything to make it worse. it s not exactly clear what is coming up the worst. but when we know for sure ....