We came up with that because we realized that it's not only the minority communities that are underserved or experience economic downturn, but it's our rural areas as well. When our rural areas drop below the poverty line or those standard deviations of the poverty line, historically they become underutilized areas.
Employment is the key because I think when our name comes up—Small Business Administration—people think that our goal is to create small businesses. No, our goal is to create jobs. We use small businesses to do that because small businesses created two-thirds of the jobs in the last five years. We know the engine of our economy as far as creating jobs is concerned.
The question is how we get that into complete areas and not only in our minority areas, but our rural areas, our Native American areas, and our other underserved areas as well. We created the historically underutilized business zones for that reason.