My name is Doug Hamilton. I'm the president of Elevator Safety Company, or ELSCO for short. We're a manufacturer of elevator components. We're based out of Baltimore, Maryland or Owings Mills, Maryland, a suburb of Baltimore. Uh, we manufacture one particular component in an elevator called a roller guide. It's essentially the suspension system or shock absorption system of an elevator. If you want to get involved with, uh, new installation, uh, you really have to go, um--in, in large volumes anyway, you have to go east and, uh, that, that means China. China is still building, um, uh, cities of two million, three million people out of the ground. Well, uh, within our elevator divisions or within our elevator company about forty percent of our production is export-based, and the major area where Ex--Ex-Im Bank helps us, uh, is in Export Credit Insurance. So we are, uh, extending credit, sometimes in pretty large quantities. I mean, we might have $500,000 out to a particular customer in China, a large manufacturer in China. Uh, and $500,000 for a company of our size--we're a, you know, fairly small, uh, enterprise--is just a lot of credit exposure. And in a place where if something were to happen, if there were some default, we have essentially zero legal recourse. There's nothing that we can do. We don't understand the laws there. We don't--we wouldn't understand how to recover it. Uh, our, our likelihood of recovering--recovery would be extremely low. So, uh, what we do--the program works, um, pretty much like any insurance policy would. We pay a premium, usually 55 or 65 cents for a hundred dollars worth of exposure. Um, and we have to pay that on, on all of our exports, in--including those to Canada. But again, it gives us--it's, it's relatively inexpensive and it gives us the confidence to, to move forward, and because it covers other risks as well that aren't just credit risks. There are political risks. There are currency risks. You never know if the--you know, the currency in Vietnam could suddenly collapse and you could be, you know, stuck holding a 20 or 30,000 dollar bag. Unfortunately, for companies of our size and our book of international business, the private market doesn't really have a product, a similar product that, uh, that suits our needs. Uh, you have to be at a larger book of business to, uh, qualify for those type of receivables, um, insurance. Um, and so Ex-Im Bank is really providing a service and a hole in the market, uh, where we would, um, uh, otherwise go unserved. 2001 is really when we started, uh, exporting in earnest under our own banner. I, I really think that, that having the credit insurance policy available to us was part of what gave us the confidence to move forward. Uh, since that time our business has grown. Um, you know, over a decade we've grown, uh, by 50%. Um, but exports have gone as a share of our business from where they were, which was 20 or 25%, um, uh, in a good year, to, uh, more like a third of our business. And, and in recent years it's been more like 35 or 40% of our business.