in front of them and to do that they have to have access to money, because the -- to take advantage of a new opportunity you have to hire people and buy equipment, and maybe lease space. those three things, nobody is going to wait for that. the employee is not going to wait to be paid, and the vendor or landlord will not wait to get paid. that's the gap that we have to figure out how to fill. that's what is missing right now because banks are not lending to small companies. i will ask you two to pause, more on the money when we come back. if you ride drunk, you will get caught... and you will get arrested.