raymond keeting and todd mccracken, so good to see both of you. >> good to be here, thanks. >> i've seen a number of surveys where optimism is higher, right? people in small business feel like the next four years may be good for them. so let's get down to why. what do you think will happen in the next four years that will be good for small business? >> you'd hope that entrepreneurs and small business openers are optimists. if you're starting a business you should be an optimist. you're also a realist. the last eight to ten years have been tough. the great recession, a miserable recovery, frankly the obama administration has not been friendly to much of the business community. i think in terms of what they heard in this election and what they focused on, i think the two big things was regulatory reform and relief, and tax reform and relief. those are two biggies for small businesses as well as large businesses. >> when we talk about this, regulatory reform and relief, todd, what does that mean? what regulations are going to disappear and suddenly is going to make my business easier to run