the person who introduced me today is anita zucker. she was living in a trailer in florida at one point. she is now a billionaire. the point is -- >> i see your point. [laughter] success,ct is, her listening to her over the last one in five years come on worship -- the last 45 years come entrepreneurship is so that those of us mired in poverty looking for a way out, we look for access to capital. today, the regulatory environment created through dodd frank makes stories like anita zucker's and mine far more difficult. guerrillan absolute standing on the chest of would-be entrepreneurs. look at the poorest communities throughout the country, they lack entrepreneurs. how do we fix that? >> i see this every day as the governor because we are seeing across our state, closing of temmunity and start t chartered banks. they simply cannot keep up with the regulatory requirements and they are afraid. they are afraid if they make a loan that doesn't go well, that they will come in and audit them in bankrupt them with hiring accounting and lawyer

. >> chris, the person who introduced me today was anita zucker who is a fabulous woman who was at one point when she was a young adult living in a trailer in florida. as she moved to south glen and now she's a billionaire so everybody needs to move to south carolina. perhaps not my point -- >> yeah, that is your point. all politics is local, tim. >> exactly. let me get to the question, however. the fact is that her success listening to her over the last 25 years, entrepreneurship, the ability to create and to innovate is so powerful for those of us who have been mired in poverty, looking for a way out. we look for access to credit. access to capital. and today the regulatory environment that's been created through dodd/frank makes stories like anita zucker's and mine far more difficult, far more difficult, because there is an absolute gorilla standing on the chest of would-be entrepreneurs, and if you look at the poorest communities throughout the country, they lack entrepreneurs. how do we fix that? >> yeah, well, i see this every day as a governor because we're seeing across our sta