Kevin Hern actually said...

"Sure. Well, I think that would help us understand, as the Chairman said, because as we are looking at failure rates that are beyond--or earlier than you originally projected that is causing the proble..."

"I think that is what you were just referencing."

"I have a lot of questions around it."

"Despite ongoing positive economic news, the Nation's smallest firms continue to face challenges when it comes to regulations, saving for retirement, access to capital."