dr. jennifer collins, owner of gramercy allergy and asthma. good to have you both with us today. >> thank you. good to be with you. >> well, julie, let me first ask you what the key findings are for american express open report. >> well, as you just said, lots and lots of women going into their businesses at a rate faster than the average. one of the most astounding findings is the growth in firms owned by women of color. they're now one in three women-owned firms, and just 15 years ago, they were one in six. so, there's tremendous growth in the diversity of women-owned firms. >> why do you think it's taken this long? i mean, i -- just -- you know, when i think of -- and, boy, oh, boy, it sounds -- i mean this sexist in a good way, not in a bad way -- i think of growing up and the responsibility that my mother has always had -- and thank goodness she's still with us -- and i think of the way she managed the budget, and i always think, that's the person who knows how to run a business. >> right. [ laughter ] >> okay, so, i'm, "right on, women!"