i was talking to a mortgage broker in spartanburg, south carolina, who told me that prior to dodd/frank and the regulations implemented under dodd/frank, he spent 30 minutes a week on regulations. he now spends three to four hours a day, and he's getting out of business. and so the big guys will take over. why? they have big compliance departments. they can handle this. i've always said, and i really believe this, that unfortunately big business doesn't necessarily mind big government. gives them a competitive advantage. but big government and regulation kills the little guy. kills innovation. kills the -- the -- the -- the -- creates barriers to entry. look at obamacare. obamacare if you get to 50 employees, all of a sudden you're going to get hit with huge tax burdens. there's companies right now, i know, i've talked to them, trying to figure out how they can get under 50 employees so they're not going to have to comply with obamacare. why would we do this? but that's what we're doing to the small business. we're saying, don't grow. you're going to get nailed. even if you don't, if yo