bill hall, chair of ifa credit committee, has briefly describe some of the things that ifa is doing but it neither he or ifa will tap the organizations work to bring attention to this important issue and ifa's continuing commitment to the separate. i want to do that for him and them. i also want to specifically mentioned the exemplary leadership shown by ifa's ceo steve caldera who has worked tirelessly to highlight the important role that access to credit plays in creating jobs and increasing economic output. the most important message that i can bring to the committee today is to reiterate what you already know. sba loans are critical to keeping small-business segments of the economy, the biggest job creating segment, healthy. we are seeing signs of economic recovery but for a variety of reasons, accessing capital continues to be difficult for small businesses. lenders want to be able to provide this necessary capital that they are experiencing a perfect storm of circumstances. they together serve to stifle the conventional small-business activities. the lending activities. how our we

bill hall, chair of ifa credit committee, has described some of the things that ifa is doing.ringing attention to this important issue and ifa's continuing commitment to this effort. i want to do that for him and for them. i also want to specifically mentioned the simply leaders have shunned by ifa's ceo, steve, who's worked tirelessly to highlight the important role that access to credit place in creating jobs and increasing economic output. the most important message that i can bring to the committee today is to reiterate what you already know. sba loans are critical to keeping small business segments of the economy, the biggest job creating segment, healthy. we are seeing signs of economic recovery but for variety of reasons, accessing capital continues to be difficult for small businesses. lenders want to be able to provide this necessary capital, but they are experiencing a perfect storm of circumstances that together serve as the stifle the conventional small business activity. lending activities. how are banks meeting the needs of their small business customers? many ar

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signings they hope will once again make the russian club a force to be reckoned with in europe the moscow ifa enjoyed a wretched season last time uts failing to get past the first hurdle of the europa league a competition they've won twice since two thousand and six. during serious cast was campaigning in a decade the club has been quick to rank. and some in media have been booted to try and help the team to buy for bandits with the best clubs from around the continent a man who's come off a stellar season in the french league said to join the team like say scott was a no brainer this is a team full of great players and you know i know my role is going to be different this year than i was you know the last two years in france but you know that's the best part of the challenge as as a player and as a part of me wanted to have a better career is playing less of a role but in a bigger picture so excited about that you know i feel like you know this is the organization that you want to be into if you want to get to the final for the you're really. serious can have a quite a man with massive exper

through that summit and the dire lack that we had with ifa, we looked for ways to improve lending. as a result, the small-business committee is now working to develop a template that franchises can use to prepare the financing they need. this template to provide the bank information about the franchise and hopefully help us successfully underrate the loans. one final point i want to stress its importance of communications between borrowers and lenders come even before re-request is made. the better prepared and knowledgeable berbers and the more a lender knows about the pirate, the more successful the outcome. small businesses and lenders need to work harder to preach that divide and better understand one another and that is one of the things we have been working on with the ifa. in closing, we are starting to see signs of growth in our economy and a successful demand for goods have a strong cash flow to prosper and we think the unemployment rate will continue to improve small-business funding of small-business growth. cba looks forward to working with the committee and small busin

ifa call that says i think i foun -- >> no follow-up the police officer apparently tried slid down andn his time a you're right. thes are explainable andl in de r searchers have been don't think the defense got a. >> what are they trying to dote. they'reind of caylee's remai du fortune. >> fame and fo thing this does do for thasically brings up the reasonable doubt when you're prosecutionace>> th. he used his it in the eye soc a. i think the duct tape was the prosecution's theory. was good for the defense, but other than that lot of didn't ? >> theyidony. there was a proffer presence. the judge is determining he testified thatse lee anonbrother. >> her brother. trie caylee around lee. >> thefiance, the guy she has said all along abused h ither didn't let the jury out of court statemen don't kn that that's going to be the las casey anthony on the morning. the fbi now responsible for gravei cemetery.way for six months. a senate cemetery had lost track of or of remains of military forever. >> check your medicine cleaned it out in a 61,000 bottles ofover aodor. >> isn't this an old his is

so i think one of the things that we talked with ifa is our cd a small business committees put together a template with a series of questions for the franchise, how successful your franchise has been, and a whole series of questions and we're hoping as an industry that by starting that communication that will have more success with stars because they do think they are the most difficult things to do. >> let me back that up with a question and i would be very curious and everybody, when it comes to startups, this is the age-old question, if you're not wealthy you are very limited when it comes to your personal guarantee. but you're trying to do a startup and you have a good business plan, you know, is there anything that can be done to make that process a little bit easier? because of those other people that i worry about more than anything else. we have great ideas out there in many cases, but if the individual is a wealthy they don't have the personal backing or the personal guarantee, the equity out there. so is there anything that can be done? i will just run right down the line and