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country for 21 years. i and my experiences from small- business lending, i understand the challenges that we face. over the past few years high unemployment has impacted consumer spending, which is critical to boost sales of small businesses. leading to weaker than normal in consistent demand for small- business loans. the recent study found access to credit. in addition to declining sales, another factor that has diminished the sales lending, home equity is traditionally a strong form of collateral that many business owners use to secure their business loans. study from the federal reserve bank of cleveland found the decline of home values has constrained the ability of small business owners to obtain the credit they need to finance their business. the decline in sales has affected small business lending. when banks underwrite loans, we look at two things. cash flow, both historical and projected, as well as collateral in the loan. the decline in these criteria over th ....
move back home. did your parents and relatives a big hand. [applause] with their support, all of your joining a distinguished list of alums including jacqueline kennedy and colin powell. take a look at the people on either side. the guy sitting to your left could be a future secretary of state. the girl on your right could be a future president of the united states. [applause] take a moment to look around the national mall. we gather not only at the foot of the washington monument but longin abraham lincoln s shadow. last month, our nation marked the anniversary of the start of the civil war. it was fought to preserve the union, to preserve america s bold experiment self-government. lincoln s war grew into something larger. a struggle for freedom. while more than a century for equal opportunity would follow his death, his leadership redeemed america s original sin and allowed us to fulfil our destiny as a land of freedom and opportunity. years ago, while many of you wer ....
administration talked aboutif there is a trade framework that hopefully the europeans could become a part of that has economic incentives and if we move in the same direction to support the democracies are the partners on these interest and that is the best possible outcome. . . expert here. how much should one warn about the i think a lot of the coverage there was a sense that these revolutions that s not true. the only secular so far is people were not explicitly raising islamist slogans. the muslim brotherhood ordered its brothers in the square to not say anything remotely islamist. don t do any of that because they knew that that might provoke the arrest and also the regime. and now that they are looking to or three months into the post revolutionary era the muslim brotherhood is the single most powerful tool in egypt and i was just there two weeks ago and met with the top three leaders of the brotherhood a political party. they are pretty confident about the st ....
political uprisings in the arab world. after that, comments from the second-in-command in afghanistan, lieutenant general david rodriguez. today marks the first time when our legislative branch in its entirety will appear on that medium of communication through which most americans get their information about what our government and our country does. several times today this has been referred to as an historic occasion. whether or not it will be an historic occasion is i think a subject for the judgment of history. this week are 25 years of televised coverage of the u.s. senate. on its first day in 1986 c-span2 is carried in a little more than 6.5 million homes. today it is available in over 89 million homes. watch that first day or any of the 21,000 hours of senate coverage on line at the c-span video library. it is all searchable, shareable and free. the peabody award-winning c-span video library. it is washington your way. former massachusetts governor mitt rom ....