Well, everybody knows the analogy of a bank. When you put money in early, and let it build up in a rolling account, compounding interest, you grow to a bigger fund. That's the opposite of what's happening here, reverse compounding…

Well, it's like a parent. What we have to do is also work with our children, which you can make the analogy of Federal Government versus State government, empowering and giving them the environment for them to succeed. As a business owner…

We have people that just do insurance filings, just do our mandatory paperwork with the Federal Government.

With the health profession, we have tons of it, from HIPAA disclosure to anything. When we deal with insurance, the paperwork is endless.

Absolutely not, and you're not going to hire somebody when you don't know the economic rules. And we have besieged the American people with a set of rules that have a lot of uncertainty to them.

The Federal Government has also made winners and losers, and so we don't know in small town USA whether we're one of the winners or the losers.

Very, very high. It's above the norm of what would be 8 to 10 percent. And yet they gave out two loans in December, but yet have already had three audits in the fiscal year 2010 and have two more scheduled in the first quarter. Tell me…

No, and there's not a service to be provided. It's actually servicing the public interest within the Federal Government.

Well, what it is--I'll give you an example from right in our own district--is that we have a small bank that has 39 percent in liquidity versus loans out.

Well, I don't understand that madness, but it's something you have to learn in business. But you have to have the ability to reinvest in America. If I have got money sitting there, make it worth my while to invest back in America. That's…

And then our rule is that something went wrong. When it's bureaucrats asleep at the wheel, what we do is pass more regulations so that the small banks that we have in our communities can't lend. They're the ones who get audited five times…

Well, you're right. I thank my good friend from Missouri for yielding. When we start to look at it in the CR, when we're talking about cuts, we can't legislate from the CR. What we have to do is we have to just make the plain cuts. And…