JOSEPH MOONEY: My apologies, Madam Speaker. When one is a small-business owner and is working usually very long hours, usually paying oneself last, and you have all these regulations that one has to comply with, it is incredibly difficult. One does not have the resources that a larger business has to figure out how to comply with all these regulations. This is a classic example of uncertain law that will place more compliance costs on small business and make it, frankly, harder for small business operators to operate. 