Well, we will have to work through the cost, maybe in another setting, but thank you for that answer.

In Arkansas, we have a few counties where the incidence rate is over 10 percent, and that is not true in other counties.

We are trying to do it in a way that does not harm the public and that would be considered a smart way to trim our spending.

If it does not match that, then that is something that we cannot afford to do.

You are committed to continuing the review of SBA programs to eliminate overlap and duplication.

It looks to me, if I understand your numbers correctly, that you have not been able to recoup on those bad loans.

When I look at your SBA loan data, a few minutes ago you said that you have a very low default rate on SBA loans, which is great.

Does the money go directly into something that gets in the hands of small businesses and improves their situation, allows them to grow and create jobs?

I worry, and maybe I am naive about this, but I am--the political controversy of getting rid of properties that no one uses...

I do believe it should be an independent board that disposes of this, because if you leave it to government, I do not know how long that will take.

I think it has a wider acceptance--would, in fact, help us to get to the end game much more rapidly.