Thank you.
I'm going to start with the other Mr. Kelly on our call.
I will ask you to comment a little further on what your members are going through, particularly with the news that was reported today about the debt levels of small businesses. An average $175,000 debt per small business is a staggering number, and the fact is that a significant portion of this debt is not public aid money at low rates or forgivable. It's not bank debt at historically low rates, but is in fact unpaid commitments that may threaten to bring down tens of thousands of these businesses.
Could you comment on the details of what this debt crisis among small businesses really means at ground level?