The population of homeowners who today are underwater on their mortgages... is a missed opportunity.

the decision belongs to the workers.

I would be obviously remiss if I didn't take you up on the opportunity to ask for more resources, which we could certainly use.

We do.

We are afraid to spend because we don't know what the big scary monster around the corner looks like.

it takes us away from what it takes to run a business.

If we hadn't acted on the Affordable Care Act, premiums would have increased more than doubling in most States.

Sir, the costs would go up quite a bit higher with the new plan.

No. They choose. They can afford it.

Thank you for inviting me to testify before you today on the impact of the health care reform on job creators and the economy.

Thank you, Chairman Akaka.