they don't know about the sbac, and they don't know about the ndo's. i found there is a lot of technical assistant for micro enterprises and people starting new businesses, but there is insufficient help for owners of existing small businesses. i found that while some neighborhoods and demographic groups receive adequate services, others are under served. for example, the con ton ease -- canton ease community, we have had a problem providing small business assistance. finally, for technical assistance, insufficient bread this of services. i identified areas of demand for the kinds of services that don't exist. on access to capital, unsurprisingly over the last couple of years there has been reduced access to capital. i have heard from a lot of people that banks aren't making loans. then i looked at data from the community reinvestment act, and you can see how there has been a sharp decrease in 2008. if i had the 2009 data, you would see a continued decrease there. so now more than of those alternative loaners, the non-profit lenders are really importan