s.p.a. is just now rolling out a program for r -- will be the case by the summer. let me get one last point and on the question about relationships to lenders. the question was, do have to have an account with a bank in order to get a loan? may answer is no, but the real answer to it is certainly want to do that. one of the things we see as an important thing for you, as a small-business person to establish a relationship with a lender on a variety of levels before you look for funding. part of that is opening an account with them, letting a lender know about your business, understand your business, talk to them as you are growing your business. when the economy is strong, all lenders are shopping for transactions. in times are tough on credit, you want to rely on those deeper liberation ships with your lender. you want to develop a relationship with a lender. it is the case where you want to open up an account, while to have another bank services that you want to have a relationship with your lender with it because when you go to them for any loan requests, you wa

>> s.p.a. -- sba makes loans to winery's, stores that sell wine. i am not exactly sure what role you play in distribution. the federal government ought -- got out of prohibiting alcohol and long time ago. we are not in the business of regulating all bohol, beverage distribution or sale. we make loans to businesses who sell alcoholic beverages, restaurants, stores. so is not an sp a prohibition. it is regulated on a local level. we have made loans to a lot of businesses that have some degree of an alcoholic beverages, one distribution. >> terrific. following up to that, can you give any advice on particular resources that would speak perhaps to any tax benefits, subsidies in place for both domestic distribution of wine, as well as exports? >> why don't we take it off line. i think what is the case, there is a lot of complexity to the incentives that were put into the jobs act for small businesses to take advantage of on expensing equipment, investments and their businesses, as far as the tax treatment of those activities. obviously, as a small-busin

the banks put on more criteria and then s.p.a. requires.one of the issues they brought forth to me was well as be a guarantee of the loan guarantee program does not require collateral, real estate as collateral, when they go to the bank the banks saying, by the way, we are going to require that you put up real-estate as collateral. what can we do in working with our banks, our lenders, you know, to not add criteria or add restrictions to these loans when the fda is clearly not setting these criteria for a for small businesses as a means to qualify. >> we work with about 5,000 of the eight dozen banks. so the first line in the credit process is generally the bank. the bank will make a credit decision. because they are on the hook for summer between 50 and, you know, 25 percent of the loan as well. so they have to have an independent credit decision. we have tried to a, you know, coordinate, paperwork reduction, but we have to make sure that both of us are satisfied because we share. >> well, again, i would urge you to maybe work with some of