i'd like to introduce you again to cindy rogoway, the executive director of hebrew free loan. and also terry, who was also a recipient. why don't you let us know what your experience with hebrew free loan has been. >> i received an employment loan about five years ago. i was laid off from my job. it was in 2012 and we were coming out of the recession and i was laid off. that is always a hard challenge. for me, it happened at a time when all these other things were in -- going on in my life. i was diagnosed with breast cancer and i had to put my house up for a short sale. i had a teenage son that was 15 and he went through a serious dental health crisis. i was dealing with all of these things at one time and i did not know how we were going to survive . friends suggested hebrew free loan to read >> you got what is called an unemployment loan? >> the name of the program is recent unemployment. someone has to have been unemployed sometime in the last year. it is meant to be, we call a jewish unemployment . it was supposed to supplement whatever they might get from the state but i