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Think of me and us as a resource to help navigate that. What i brought today for the purposes of an introduction, im glad to answer any questions about our body of work but i highlights pages to two testimonies and theyre on the table over there. One was a testimony in may of 2010 before this committee, and it was based on a report that came out in july of 2009. And we were asked to look out how much progress had sba made in implementing the Small Business Disaster Response and improvement act of 2008. Its a mouthful. Ill now call it the 2008 act. Very important piece of legislation. It was a ...

Okay, this is significance of what employees can do, not what theyre considering doing in 2016. One of the reasons we do the survey in time frame that we do it. Karen and i will be tagteaming this presentation this morning. I will walk you through major findings in the survey an observations about those. Karen will come up to talk about key tactics employers will introduce in 2016 to manage Health Care Costs. I will talk about implications for employees during annual enrollment. Then well go to q a. First brief about a National Business group on health. Only nations Nonprofit Organizations tha...

Even how we hail a cab. We have opportunities to dramatically reduce Public Safety, address infrastructure problems in creative new ways. The federal government can be a key player in helping to advance and utilize the developing technologies. Lets take a look at safety. While trafficrelated fatalities injuries continue to decline, over 30,000 people each year still die on our highways. We continue to see trains that derail too frequently. Putting enormous burdens on our first responders. In the face of these challenges we have got to understand the opportunity that comes with technology and i...

Will not solve the problem. The challenges dealing with hostage taking in the middle east is the challenges us dealing with the middle east. How to sort out our enemies from our friends. Thank you very much. [applause]. But also the lone wolfs, meaning that particularly now as we are seeming to take over the people who came to watch a movie, opened fire and all that, and obviously we have to think about also the future in terms of the environment of the socalled lone wolf now to weaponize, lets say, ebola and take over, you know, entire communities hostage. Let me move on to our friend and col...

And it could result in lives lost unless we have enforceable rules and regulations that protect the traveling public, not just the folks who may be behind the wheel but also passengers in vehicles out on the roads today. Driving continues to be one of the deadliest activities. The reason the framework issued yesterday concerned me so greatly is that it depends on voluntary selfassessment by the industry as opposed to mandatory rules. It was termed by one report even less burdensome than the voluntary one issued under the obama administration. The net effect would be to leave enforcement virtua...