of doing business on reservations. due to the unique relationship between american indians and the rest of the population of bureau of indian affairs, such an arrangement requires the bureau approves these development efforts a tribe seeks to undertake. businesses seeking to locate on a reservation must face murky regulatory waters in dealing with the tribal government and the bureau of indian affairs. additionally each reservation is governed by a unique set of laws in court. the patchwork of legal rules and regulations has discouraged business activity and reservations phosphorus -- is specially by financial institutions. the problem is made worse by what some describe as casual approach to the will of law. bank lending on some reservations find they have no recourse when someone default on a loan because tribal courts enforce the time track. these legal and regulatory obstacles have hampered economic growth. i hope we -- what we learned today, what steps can be taken to alleviate these problems which have impeded economic development in indian country. thank you, mr. chairman. >> thank you, are there any other members who wish t