from your right, nina easton of fortune magazine, mark of bloomberg, carrie lynn mitchell of federal news service. joe adler, a reporter at american banker. mike norton of team critical care and a guest of our speaker. doug hard protect of hip linger and a past president of the national press club. becca gould, vice president of government affairs and a guest of our speaker. skipping over the podium, angela keane, bloomberg news and chair of the national press club speakers committee. skip over our speaker for just a moment, deborah, speaker committee member who organized today's e vercht -- event. grace kit mar, trusted mission solutions incorporated and a guest of our speaker. marilyn, senior business editor of npr, nancy waits of reuters, and finally paul marion, washington bureau chief of crane's chicago business. [applause] while the nation has trained its attentions on the excesses of wall street, main street has suffered quietly. small businesses typically drive job creation, but the news from main street has been dismal lately. banks have reportedly cut more than $10 billion