carl >> hey, john, i want to bring in james rivera, small business administration office of disaster assistance, associate administrator there and expert in disaster declaration. james, thanks for your time today. we were just talking about the kind of year it's shaped up to be and the season, which is not over by a long shot. and i wonder if requests for assistance, we may have a lot of viewers who are small business owners or family members of some is this year shaping up to be an outlier for you, as well >> noaa did a good job of predicting an above average year of disaster activity from a hurricane perspective, so we didn't expect this level of activity with harvey and irma, but it was predicted by noaa this would be an above average year from their perspective. >> what has changed now? if i'm filing for assistance in the wake of harvey or irma, what's different between that and a request i might have made post katrina or andrew in terms of rates or credit requirements or even the speed of with which i might get a loan >> technology. ten, 12 years ago to today first of all, i woul