melissa: taxes are a huge ise ashe eection inche closer but actlly it is not the top ccern for businesss. in a new survey small business ceos lay out their top three problems and they are health care at 62% the economy at 61% and access to capital, 46%. we have the ceo of the sbtv dot-com and a small business expert. ways really shocked to see that health care is bigger concern than the economy. >> yes it really is. actually, melissa for about the last 20 years health care has been creeping up as a ncern for small business and what we've seen small businesses health care has risen in cost they have had to either cut their hlth care for their employees, or, they have cut back on what the coverage can be. a lot of them opted for health savings accounts. melissa: right. >> they are paralyzed with fear about obamacare, particularly when they look at the fact no one can explain how this will get paid for. secondly they also recognize that costs areoioi to really skycket. and what is happening, for those employees who have under 50 employees right now, which is where you're mandated to provid