Thank you, Mr. Chair.
Thank you, gentlemen, for joining us this afternoon.
I just want to follow up on a number of different comments that were made. We're trying to, I guess, assess the availability of capital for small businesses. We really appreciate your testimony thus far this afternoon.
Mr. Campbell, in your testimony, you referenced the fact that what has made this downturn somewhat different from other downturns is the general financial health of small business. I'm wondering if you could expand on that. Actually, my question originated before you said that.
When you talk about the general health of a business, are you talking about the general cash reserves vis-à-vis their debt ratio? What exactly goes into your assessment of the general health of a company? Maybe you can expand on that. I don't know if you gentlemen have comments with regard to that, but I'm very interested in that point.