Thank you, Mr. Chair.
Thank you for taking the time to come to us and get us up to speed. Some of us are new on the committee. I really appreciate the three of you being here.
My first questions are relating to small business and entrepreneurs. As you know, it's popularly thrown out there that small business and entrepreneurs create about 80% of the employment in the country. That's a figure that's often referenced.
You mentioned in your opening comments, Mr. Dicerni, about insuring loans for small businesses. Is there anything beyond that? In the case of a lot of small entrepreneurs and small business people, they have limited time and, frankly, sometimes limited skill sets or resources to be able to access government programs. What does the department do to assist this key sector in our economy other than insuring small loans?