they recognize the gentleman from california, mr. sherman. >> you begin by holding and saying we should be nice to witnesses. no comment about being nice to either democratic or witnesses ever came for me. >> i want to go through a number of things to respond to for the record. we talk about small banks and credit unions being able to make business loans, that's not a reason to take the giant banks off the hook. they are near collapse. when they have a prime plus four or prime loan it's a little shaky. you could do more than any of us to get small business loans made by local banks. the debt clock has been behind you, we've commented on that. i would hope any tax return that came out of your department would not increase that that. they are the umpire here as far as what increases and decreases deficit. the debt limit is just over the horizon and i hope you would use your voice to remind us it's not enough to deal with the debt limit and overtime. the harm is to our economy now because have to invest in the risk. you probably didn't
