ms. robertson?>> i was certain have to concur. the sba has been extraordinarily responsive anytime we've gone to them with issues and concerns. it's a large agency. it may not happen as quickly as we would like but i think they have tried their best to listen in to actually come up with workable solutions. >> i have found them to be very responsive. i think if you talk as a people in it interesting that finding cannot be responsive is because probably something i'm very and. >> we have nothing to be responsive as well. the main change we've seen from a negative perspective is the consolidation to the national offices it as i mentioned in my report. as opposed to the local focus of where it used to be. spirit how about when it comes to loans getting approved, i've had people come to talk to me about the fact, particularly if they're doing, if it's a new start and have construction issues and its delayed in getting that loan approved, and as that delay spreads out in their costs go up, contractor cost