mr. withee, then mr. ford and then i'll go to the others for questions. >> yes, i would agree it's much more than a pinprick, and less it's a very large pinprick the majority of the employment in this country is by small businesses like the people we have around this table, and like many of the clients i have at the bank. two-thirds of the economy is consumer driven. it was mentioned a moment ago about the uncertainty creating problems with that part of the economy. i believe that's real. i believe that's large. so this really is not a pinprick. >> mr. ford. >> i certainly agree to your point, senator. small businesses will not be paid for the work that we've lost now. that is lost revenue. that will not return. it would look at contracts that we have come as soon as we do go back to work those contracts will have to be modified because those contracts have deliverables that are time-based. those contracts need to be modified which delays the process because we have to get new contracts and again, that wi