Richard Durbin actually said...

We're talking about, in many ways, an epidemic.

It appears to me, we need to increase the number of microlending partners, which mean that more small businesses will have access.

The IRS represents the face of Government to more U.S. citizens than any other agency of Government.

It's terrific to hear, firsthand, your experience with these Federal agencies, and demystify some of this regulatory gobbledygook.