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Noah Breslow: into all business loans
held by banks. It's actually

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dropped since the credit crisis
from 2008 where it was sitting

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at 35%, down to more recently a
level of 24%. So even though all

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commercial loans might be
trending slightly up since the

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bottom of the credit crisis, the
small business part of that

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segment is actually trending
substantially down. And the

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reason why is simply because
it's not as profitable as other

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forms of lending for these
banks. Banks have been shifting

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actually away from the small
business credit markets since

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the late 90s. And we know