Government Operations committee  Yes, and we do it this way. We can guarantee loans up to $5 million U.S., and we will put a guarantee of 75% to 80% on that loan. That leaves some skin in the game for the banks to do very good underwriting because they are responsible for 20% to 25% of that loan, and they have t

Government Operations committee  I don't.

Government Operations committee  Yes. It's very low. It's not even in the double digits.

Government Operations committee  Thank you. It's been our pleasure.

Government Operations committee  Right, it's small socially disadvantaged or financially disadvantaged businesses.

Government Operations committee  Yes, we have an executive order signed by the previous president that you only have 15 days to pay a small business. That's very strict.

Government Operations committee  One of the things we are very proud of is what we call our early graduation period. Remember that nine-year program that I said the 8 (a) involved? The young lady asked the question about the $750,000. We have created a situation whereby if they exceed the threshold of net worth,

Government Operations committee  Well, we have several different counselling services. Let me go over what they all do. First of all, we have umbrella counselling services, throughout universities and colleges across the United States, called small business development centres. They help really small businesses

Government Operations committee  Yes, through SBA, we provide grants to these universities to provide such services. Yes, we do.

Government Operations committee  Then we have what we call the procurement centres, which is going down to what you're asking about. Our procurement centre representatives, PCRs, and our commercial marketing representatives help small businesses, when they are going for a bid and contracting, to follow the rules

Government Operations committee  No, we would not.

Government Operations committee  That's correct.

Government Operations committee  What we have is 24 different agencies that SBA looks at. We coordinate with their contracting officers in their agencies, and we look to make sure that they're making every effort to meet that 23%. We look at contracts that can go to small businesses. We look at contracts that

Government Operations committee  Yes, and let me tell you, you try to explain that to us.

Government Operations committee  Yes.