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For the 20th straight month, business owners scored their outlook below average, according to the latest Small Business Optimism Index.

The bank crisis could spark a credit crunch that will rock the economy. It'll be a major test for small businesses.

Personal accounts offer two fundamental advantages for smallbusiness: actions that the government would not have to take(unnecessarily raising taxes or cutting Social Security benefits)and results that the private sector would generate (enhancedentrepreneurship, strengthened capital markets, and improvedretirement incomes). Empowering entrepreneurs in this way wouldbenefit the entire nation as additional jobs were created andeconomic growth was sustained.

The bill could save Hoosier businesses an estimated $50 million in federal taxes.

Small business has much to gain and very little to lose if Congressestablishes Social Security personal retirement accounts. Theseaccounts, which would allow taxpayers to invest a portion of theirSocial Security retirement taxes, would make capital more availableto small businesses without adding any appreciable administrativeburden.