mr. schrader: thank you. mr. chairman, i yield myself such time as i may consume. -- i yield myself five minutes. this amendment basically authorizes funding and establishment of the small business borrowers assistance program to provide temporary assistance for a lot of the struggling small businesses out there in america. the small business borrower assistance program will provide these small businesses who take out 7-a loans under $300,000 with a reserve fund they can use at their discretion to help pay principal and interest payments if they should hit a rough spot in their business cycle. eligible small business borrowers will automatically be enrolled in the program unless they request otherwise. it's very easy and unbureaucratic. once a borrower's been enrolled, the small business administration will place an amount equal to 6% of the loan principal in reserve for the borrower. this means a borrower who obtains a $300,000 loan will have $18,000 placed in reserve to help them pay principal or interest payme