. -- xdb, congressman.i think if you look at -- >> there's been a challenge all week. >> take your time, mr. secretary. >> my problem is my voice is not coming back. >> thank you you will give me one more minute, won't you? >> sorry, can't, but i've been losing my voice all week and this was a longer stretch than it had for much of the week. if you'll just bear with me. the economy, the economy in europe is i think moving in the right direction. some of the structural changes are significant in terms of opening opportunity to young workers. one of the key, opening up the channels of credit so the small and medium-size enterprises have access to capital. that's where the opportunities for young workers will come from. >> the gentleman's time has expired. >> i apologize for coughing through part of it in a chair now recognizes the gentleman from new jersey, mr. garrett, for five minutes. >> thank you, mr. chairman. so mr. clay's question precedes my. today i want to focus on accountability and transparency to