obamacare would help or hurt their budget and wondering when the sluggish economy in the beginning of the year would finally turn around. what does 2014 have in store? joining me now is our biz panel. kate rogers of fox business. simon constable, columnist at "the wall street journal." ari zoldan, ceo of quantum networks. let me start with you, ari p p you can come at this from a small business perspective. what were the challenges of 2013? >> i think first it was banks and lending. i found out -- i found out in the beginning of the year it was really tough for banks to be able to open up their doors for credit fa similarities. towards the end of the year, i'm seeing right now that things have loosened up a bit. but issues with insurance and hirie ining talent has still be major obstacle. >> health care was such a big issue. they did get the delay till 2015. did that extend pain and uncertainty? >> it extends uncertainty. this administration keeps being
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