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80–188 2002

NATIONAL SMALL BUSINESS WEEK: SMALL

BUSINESS SUCCESS STORIES

HEARING

BEFORE THE

COMMITTEE ON SMALL BUSINESS 

HOUSE OF REPRESENTATIVES

ONE HUNDRED SEVENTH CONGRESS

SECOND SESSION

WASHINGTON, DC, MAY 8, 2002

Serial No. 107–56

Printed for the use of the Committee on Small Business

(

(II)

COMMITTEE ON SMALL BUSINESS 

DONALD MANZULLO, Illinois, Chairman 

LARRY COMBEST, Texas 

JOEL HEFLEY, Colorado 

ROSCOE G. BARTLETT, Maryland 

FRANK A. LOBIONDO, New Jersey 

SUE W. KELLY, New York 

STEVE CHABOT, Ohio 

PATRICK J. TOOMEY, Pennsylvania 

JIM DEMINT, South Carolina 

JOHN R. THUNE, South Dakota 

MICHAEL PENCE, Indiana 

MIKE FERGUSON, New Jersey 

DARRELL E. ISSA, California 

SAM GRAVES, Missouri 

EDWARD L. SCHROCK, Virginia 

FELIX J. GRUCCI, JR., New York 

TODD W. AKIN, Missouri 

SHELLEY MOORE CAPITO, West Virginia 

BILL SHUSTER, Pennsylvania 

NYDIA M. VELA ́ ZQUEZ, New York 

JUANITA MILLENDER-MCDONALD, 

California 

DANNY K. DAVIS, Illinois 

BILL PASCRELL, JR., New Jersey 

DONNA M. CHRISTENSEN, Virgin Islands 

ROBERT A. BRADY, Pennsylvania 

TOM UDALL, New Mexico 

STEPHANIE TUBBS JONES, Ohio 

CHARLES A. GONZALEZ, Texas 

DAVID D. PHELPS, Illinois 

GRACE F. NAPOLITANO, California 

BRIAN BAIRD, Washington 

MARK UDALL, Colorado 

JAMES R. LANGEVIN, Rhode Island 

MIKE ROSS, Arkansas 

BRAD CARSON, Oklahoma 

ANI ́BAL ACEVEDO-VILA ́ , Puerto Rico 

DOUG THOMAS, Staff Director 

PHIL ESKELAND, Deputy Staff Director 

MICHAEL DAY, Minority Staff Director 

(III)

C O N T E N T S 

Page 

Hearing held on May 8, 2002 ................................................................................. 1

WITNESSES

Carroll, Richard, Digital System Resources, Inc., Falls Church, VA .................. 8

Berg, Gene, Austin/Westran, Byron, IL ................................................................. 10

Espat, Roberto, Roses Southwest Papers, Inc., Albuquerque, NM ...................... 12

Bartoletta, John, High Street Financial Group, Tampa, FL ................................ 12

Francis, John, Northern Virginia Roofing, Inc., Falls Church, VA ..................... 14

Kuntz, Donald, Fine Print of Grand Forks, Grand Forks, ND ............................ 15

Shore, Billy, Community Wealth Ventures, Washington, DC ............................. 17

Siccardi, Frank, Coenco, Inc. Fayetteville, AR ...................................................... 18

Guadarrama, Belinda, GC Micro Corporation, Novato, CA ................................. 19

Burkhartsmeier, Brenda, Mountain Mudd & Mountain Manufacturing, Billings, MT ............................................................................................................... 21

APPENDIX

Opening statements: 

Manzullo, Hon. Donald .................................................................................... 28

McDonald, Hon. Juanita Millender ................................................................. 32

Christensen, Hon. Donna M ............................................................................ 36

Ross, Hon. Mike ................................................................................................ 39

Prepared statements: 

Carroll, Richard ................................................................................................ 40

Berg, Gene ......................................................................................................... 46

Espat, Roberto .................................................................................................. 47

Bartoletta, John ................................................................................................ 49

Kuntz, Donald ................................................................................................... 70

Shore, Billy ........................................................................................................ 74

Siccardi, Frank ................................................................................................. 91

Guadarrama, Belinda ....................................................................................... 92

Burkhartsmeier, Brenda .................................................................................. 94

Additional Information: 

Submission by John Bollinger, Deputy Executive Director, Paralyzed Veterans of America ........................................................................................... 98

(1)

NATIONAL SMALL BUSINESS WEEK: SMALL 

BUSINESS SUCCESS STORIES 

WEDNESDAY, MAY 8, 2002 

HOUSE OF REPRESENTATIVES, COMMITTEE ON SMALL BUSINESS, Washington, DC. 

The Committee met, pursuant to call, at 2:40 p.m. in room 2360, 

Rayburn House Office Building, Hon. Donald Manzullo presiding. 

Present: Representatives Vela ́zquez, Millender-McDonald, Ross, 

and Thune. 

Chairman MANZULLO. Good afternoon. This afternoon the Small 

Business Committee conducts a hearing in conjunction with National Small Business Week to recognize several small businesses 

that embody the spirit of entrepreneurship. Specifically, the Committee will receive testimony from several small businesses who 

have grown their businesses with the assistance of the Small Business Administration. Additionally, this hearing will enable the participants to promote their successes in the industry in which they 

have engaged. 

Each year for the past 39 years, the President of the United 

States has issued a proclamation calling for the celebration of 

Small Business Week. This year, National Small Business Week, 

which is sponsored by the Small Business Administration [SBA], is 

being held from May 5 through 11, 2002. 

Historically, small businesses have been the catalyst for economic growth. From 1990 to 1995, one of our nation’s most impressive economic growth cycles, small businesses created three-fourths 

of the new jobs. Overall, small business accounts for 99.7 percent 

of the nation’s employers, employing 53 percent of the private work 

force, contributing 47 percent of all sales in the country, and is responsible for 50 percent of the private gross domestic product. 

Small businesses also play an integral role in helping to solve 

some of the nation’s most complex problems. For example, with the 

onslaught of the War on Terrorism, a number of small businesses 

have provided valuable technical assistance to the Department of 

Defense. Additionally, because small businesses are the heart of 

specific communities, they are also attuned to the challenges facing 

their community. Consequently, they often serve as the leaders to 

fight problems such as hunger and homelessness. 

Unfortunately, burdensome regulations, a complex tax code, and 

an inaccessible health care system are stifling small businesses. 

Small business owners face a tax and regulatory scheme that overburdens and demoralizes them. Government is meant to be the 

servant of the people, yet the existing federal tax and regulatory 

2

state unfairly acts as judge, jury, and master of honest, hard-working Americans. 

Fortunately, with the assistance of the Small Business Administration, our guests have managed to become successful in spite of 

the road blocks placed in their way. However, if small business is 

to continue as the nation’s economic catalyst, it is imperative that 

fewer regulations, simpler, lower taxes, and a free market approach 

to health care are all implemented to ensure a competitive environment for all small businesses. 

While Washington has contributed to these problems in the past, 

I am proud to say that, along with President Bush, Congress has 

worked to repeal the 100 billion ergonomics rule and pass the 

President’s Economic Growth and Tax Relief Reconciliation Act. It 

is my hope that in the very near future Congress can act to make 

health care an affordable benefit for all small businesses. 

I look forward to the testimony of the witnesses today and want 

to thank the witnesses who are testifying, especially my constituent, Mr. Gene Berg, who through some creative thinking was 

able to save over 200 jobs in Byron, Illinois. Additionally, I want 

to recognize and thank SBA Administrator Hector Baretto for his 

cooperation over the last year. Mr. Baretto will join us today to discuss the role his agency has played in helping to create and sustain 

successful small businesses. 

[Chairman Manzullo’s statement may be found in appendix.] 

Ms. VELA ́ ZQUEZ. Thank you, Mr. Chairman 

We take time this week to recognize the huge contribution that 

small business makes to this country. It is absolutely incredible the 

work small businesses do for America. They anchor our neighborhoods and communities. They create three-fourths of all new jobs 

and employ half our workers. While corporate America sheds jobs 

and shifts production overseas, small businesses are busy hauling 

us out of recession. 

Today it is truly an honor to have the opportunity to hear from 

some of the leaders in the small business community. 

Kimberly Francis and her husband, John, own Northern Virginia 

Roofing in Falls Church, Virginia. When the Pentagon was attacked and burned on September 11, they worked with other roofers across the country to volunteer their services to rebuild more 

than over an acre of destroyed slate roofing over the Pentagon. 

Hard at work ever since, they aim to finish the job along with the 

rest of the headquarters by September 11, 2002. 

Belinda Guadarrama is president and CEO of GC Micro Corporation in Novato, California. She started her company more than 15 

years ago with just two employees. When she tried to get a small, 

$5,000 loan, the bank turned her down for lack of collateral. A 

prime contractor told her, ‘‘No company wants to work with a little 

Mexican company in Novato’’. But three years later, she secured an 

SBA loan of $300,000 and expanded into a business park. Today, 

she employs 28 workers, with sales of $34 million as one of the 

leading suppliers of computer hardware and software to the defense and aerospace industries. Congratulations, Belinda. 

Ms. GUADARRAMA. Thank you. 

Ms. VELA ́ ZQUEZ. While these small businesses do so much for our 

nation, we should be doing more for them. And while this ComVerDate Jun 27 2002 06:24 Jul 12, 2002 Jkt 080188 PO 00000 Frm 00006 Fmt 6633 Sfmt 6633 E:\HR\OC\A188.XXX pfrm17 PsN: A188
3

mittee has continued to work tirelessly to help small business, the 

needs still greatly outweigh the gains. On issues like tax fairness 

and regulatory equity most of the change has helped corporate 

America rather than small businesses. Many of these issues remained unresolved. 

It was heartening about a month ago to hear the President outline his agenda for small businesses. I am glad to hear him return 

to the issue that he raised during the campaign. It is my hope that 

there is action to follow up on these promises. 

Small businesses built this country. From the industrial revolution to the information age, American enterprise has shaped our 

economy and way of life. Since this is Small Business Week, it is 

appropriate that during this hearing we can learn what small businesses have done for our country and our communities. Small enterprise is not uniquely American, but Americans have harnessed 

small enterprise like no other nation. Alexis deTocqueville remarked two centuries ago that ‘‘boldness of enterprise is the foremost cause of America’s rapid progress, its strength and its greatness.’’ The history of this country and the mission of this Committee 

has been the dogged pursuit of equal opportunity for all with the 

dream of a better life through commerce. That is why, Mr. Chairman, I am disappointed in the House leadership when they decided 

to pull two of our bills from the floor this week that would have 

strengthened small businesses. But today is less about politics than 

it is about reminding ourselves why we work for small businesses. 

In addition to the entrepreneurial drive, small companies most 

often embody another unique American characteristic: our patriotic 

obligation to give something back to the country that rewards talent and hard work with prosperity. 

We honor this spirit today. Small businesses are constantly giving back, just as Kimberly and John Francis envisioned during our 

country’s darkest hour and just as Belinda Guadarrama in contributing to our nation’s defense. 

We thank you again for all that you have given us. Welcome. 

Thank you, Mr. Chairman. 

Chairman MANZULLO. Thank you. We are going to have some 

visiting members to the Small Business Committee introduce their 

constituents. Representative Lynn Woolsey, would you be kind 

enough to introduce us to your constituent and witness? 

Ms. WOOLSEY. Thank you very much, Mr. Chairman, and thank 

you, members of the Committee, for letting me come by here today 

to introduce one of my favorite constituents, actually. Your ranking 

member has mentioned Belinda Guadarrama, but I want to say a 

little bit more about her because I know her better. 

Belinda, as you have learned, is the president and CEO of GC 

Micro Corporation, which is based in Novato, California, which is 

the very center of my district across the Golden Gate Bridge from 

San Francisco. Belinda was the winner of this year’s California 

Small Businessperson of the Year. She is a second-generation 

American and the daughter of a disabled American veteran. Belinda earned a degree in economics from Trinity University in San 

Antonio, Texas, and completed graduate work at the University of 

Texas. 

4

In 1986, investing her entire life savings, Belinda began selling 

software to government contractors and created GC Micro, a company with revenues of over $34 million last year. Beginning GC 

Micro was not easy due to both racial and gender discrimination. 

However, Belinda overcame the perception that minority women 

did not belong in the technology field or could be effective marketing to defense contractors. Now she is a strong and respected 

voice for minority businesses in America and has served as a small 

business policy adviser to the White House over the past three 

presidential administrations. 

I am proud to represent Belinda Guadarrama, and I know you 

will enjoy her comments today. Welcome, Belinda. 

Ms. GUADARRAMA. Thank you very much. 

Chairman MANZULLO. Thank you very much. Congresswoman 

Woolsey, you can stick around as long as you want. If you would 

like to join our Committee, let us know. We always have need of 

your talent. Thank you so much. 

Representative Reberg from Montana would like to introduce a 

witness and a constituent. 

Mr. REBERG. Thank you, Mr. Chairman. I do feel like I am part 

of the Small Business Committee. Let me begin by thanking you 

for traveling all the way to the State of Montana and having a 

Small Business Committee hearing on the snowmobile issue. It was 

very important to my constituency, and we appreciate that. 

Appropriately enough, I have a constituent sitting on the far 

right of the panel. Her name is Brenda Burkhartsmeier, and her 

husband, Dennis, is somewhere in the audience. I like his name. 

It is easy to remember Dennis. They are a tremendous reflection 

of a small business in the State of Montana. We are a state of 

small business. We have not a lot of large business, and within 

Montana there are two things that are important, knowledge and 

capital, and the Burkhartsmeiers came up with a concept called 

Mountain Mud. It is a kiosk that sells coffee. As you can imagine, 

carts are not particularly popular in the winter in Montana selling 

coffee, but a drive-up kiosk is. It turned out to be a tremendous 

asset to the state. They now do business in many states, as you 

will hear in their testimony. 

They are the Small Business of the Year recipients within the 

State of Montana, and we are pretty proud of them. Unfortunately, 

they stole one of my good friends, moved him out of state, who was 

also my insurance agent. They are a growing entity in scooping up 

and creating jobs, and not only are they working with the Small 

Business Administration on the capital necessary to expand their 

business, but they are doing something that is very important for 

all of us to remember: They are sharing their knowledge with other 

small business people that are interested in getting into something 

similar, and you do not run into that when there is the proprietary 

interest in business. But they are willing to share their expertise, 

mentoring other small businesses, and my hat goes off to them, 

and I thank you for allowing them an opportunity to highlight their 

business before your Committee today. Thank you, Mr. Chairman. 

Chairman MANZULLO. Thank you, Congressman Reberg. And we 

have Congressman Tom Udall, a member of our Committee, who 

5

is going to be introducing his witness, and not a constituent, but 

New Mexico is big enough for Tom Udall, and Mr. Espat. 

Mr. UDALL. Thank you, Chairman Manzullo and Ranking Member Vela ́zquez for allowing me the opportunity to offer a brief statement to welcome Roberto Espat to Washington, D.C. and to this 

hearing today. Roberto is the president and CEO of Roses Southwest Papers, Inc., located in Albuquerque, New Mexico. I am sure 

that he will go into detail about his successful business, so I will 

leave that to his testimony. Let me just say that he has received 

many honors during his illustrious career, including being named 

one of the Hispanic Business magazine’s top 500 owned businesses 

in the year 2000, New Mexico Ethics in Business Award in 2001, 

just to name a few. And most recently, Roberto was named New 

Mexico’s Small Businessperson of the Year and will be honored at 

a luncheon in Albuquerque on May 13th. So congratulations, Roberto, on that award. 

Mr. Espat is truly an inspiration to entrepreneurs all over the 

country but especially to individuals in New Mexico. Many parts of 

New Mexico struggle to develop economically, with high rates of 

unemployment, high rates of people lacking health insurance, and 

high rates of poverty. In that context, what he has achieved is all 

the more admirable. Not only do you employ more than 200 people, 

but you also provide these employees with a health plan, with longterm disability, tuition reimbursement for work-related training, 

and a 401K plan. 

I commend you, Roberto, for your success as a small business 

owner and for providing quality employment opportunities for an 

impoverished state such as ours. And again, let me thank you, Mr. 

Chairman, and Ranking Member Vela ́zquez for this opportunity. 

Thank you. 

Chairman MANZULLO. Roberto, did you come in? Where is he? 

Mr. UDALL. I think he is arriving momentarily. 

Chairman MANZULLO. All right. We will squeeze everybody at 

the table for one more. 

Then Representative Ross from Arkansas, who is a member of 

our Committee, was going to introduce Representative Boozman, 

also from Arkansas, who is going to introduce your constituent, but 

Mike is not here so please. 

Mr. BOOZMAN. Thank you, Mr. Chairman, and I thank the members of your Committee for allowing me the distinct pleasure of introducing Dr. Frank J. Siccardi and his wife, Linda. 

Frank Siccardi, a resident of Fayetteville, Arkansas, earned his 

doctor of veterinary medicine degree from the University of Georgia 

in 1959 and served as a avian research scientist until 1983. Perceiving a need for improved air quality in poultry processing plants 

to enhance both environmental quality and cost efficiency, Dr. 

Siccardi developed the Coenco positive air system in 1983 and 

formed Coenco, Inc., to manufacture and sell his new product. 

Dr. Siccardi restructured his company in 1994 and expanded his 

focus to include warehouses, manufacturing facilities, and other 

large, open-space buildings. Since its 1994 diversification, Coenco’s 

growth has been remarkable. Employment has grown from four to 

15, and annual sales have risen from $300,000 to over one and a 

half million. 

6

Dr. Siccardi has been a regular Small Business Administration 

customer for many years. He began working with the Arkansas 

SBA Development Center in 1995 and obtained SBA-guaranteed 

loans in 1995 and 1997 to enhance cash flow and fund Coenco’s 

rapid growth. Dr. Siccardi’s recent work is defining precise ways 

and means of significantly reducing energy needs in large buildings. 

Mr. Chairman, Dr. Siccardi is a great example of the American 

entrepreneurial spirit that is the backbone of our nation. It is my 

pleasure to introduce you to a fellow Arkansan, Frank Siccardi. 

Thank you. 

Chairman MANZULLO. Thank you, Congressman. Before we start, 

I have got a resolution here that I drew up honoring the employees 

of the U.S. Small Business Administration for tireless efforts in 

aiding, counseling, and assisting small businesses in preservation 

of the free-enterprise system and helping the growth of personal 

initiative through the creation and growth of small businesses and 

particularly the assistance given on September 11th. With your indulgence, it will take me about a couple of minutes to read it. ‘‘Whereas, on September 11, 2001, terrorists hijacked and destroyed four civilian aircraft, crashing two of the planes into the 

towers of the World Trade Center in New York City and a third 

plane into the Pentagon in Northern Virginia, and resulting in the 

crash of a fourth plane in Somerset County, Pennsylvania, and 

whereas these attacks destroyed both towers of the World Trade 

Center as well as adjacent buildings and seriously damaged the 

Pentagon, and whereas thousands of innocent people were killed or 

injured, and businesses both large and small were destroyed, 

closed, or suspended for national security purposes by mandate of 

the federal government, many business owners were both directly 

and indirectly adversely affected by the terrorists’ attack and were 

finding it increasingly more difficult or impossible to make loan 

payments, find access to new capital, and pay employees and vendors, and whereas the employees of the U.S. SBA have been working above and beyond the call of duty, in some instances going 

without proper sleep and spending time away from their families 

and loved ones, and have been called upon to put in extra time to 

assist and serve the needs of those directly and indirectly affected 

by the events of September 11, 2001, and, therefore, be it resolved 

by the chairman of the Committee on Small Business, United 

States House of Representatives, that the chairman commends the 

employees of the U.S. SBA for their tireless dedication in helping 

those businesses and homeowners directly and indirectly affected 

by the horrific terrorist attacks and helping to restore economic 

well being to thousands of homemakers and small businesses 

throughout this nation. Those who worked in cooperation with the 

U.S. SBA to assist victims of the terrorist attacks of September 11, 

2001, particularly Administrator Hector Baretto, who had to deal 

with the events of September 11th only a short period of time after 

he was confirmed by the Senate; John Whitmore, who held the 

agency together during the transition between administrations; 

Herb Mitchell, who went well beyond the call of duty in helping 

small businesses virtually around the clock in the aftermath of the 

terrorist attacks; and Gary Jackson, who resolved complex size 

7

standards, particularly with respect to travel agencies, to all of you 

are sincere thanks and gratitude.’’ Administrator Baretto, do you want to come up, and John 

Whitmore and Herb Mitchell and Gary Jackson? Folks, give these 

people a big round of applause for the tremendous work that they 

have done. 

[Applause.] 

Chairman MANZULLO. John, do you want to come up? Please. Mr. 

Baretto is going to be sitting up here at the table, Hector. John, 

do you want to come on up? Let me give this to you also. 

[Applause.] 

Chairman MANZULLO. Okay. Well, this is unusual. We have the 

administrator of the SBA sitting up here with us and for a very 

special purpose because, as far as we are concerned, Hector has always been one of us. He is a man of the people. He earned his oats, 

as we say in the Midwest, when on September 11th tirelessly he 

walked the streets of New York City with Ms. Vela ́zquez and helping people personally to come through that tragedy. And Administrator Baretto, we are going to give you the opportunity to make 

a statement, whatever you would like to share with us, and then 

we can turn to the witnesses, and thank you for being here. 

Mr. BARETTO. Thank you very much, Mr. Chairman, and Ranking Member Vela ́zquez. Thank you so much for inviting me to be 

here. It truly is an honor, and today is really a day that we can 

celebrate so much, so many of the achievements that are represented today, and I am so anxious to hear the testimony from 

these great men and women small business owners. I have read 

some of their bios. I know how incredible they are, and they really 

are representative of what we know is the best of the best of our 

small business owners. We have so many of them in town today. 

I also want to acknowledge the other members that are here. I 

have had an opportunity to work with them, Congresswoman 

Tubbs-Jones and Congressman Chabot, and many of the others 

that sit on this dais often. I have had an opportunity to go to their 

districts. One of the first places I went to, as the chairman said, 

was to Rockford, Illinois, and then soon after that I went to Congresswoman Vela ́zquez’s district. And I have learned so much by 

being there in their districts and working with them and really 

being on the ground where the rubber meets the road, as they often 

tell us. And so it is a privilege to be here. 

Just for the record, I want to unequivocally state that I have no 

designs on any of the chairs that are up here on this dais. I know 

the very important responsibility that the members of this Committee have, and I feel honored to be the SBA administrator. I do 

not consider it a job; I consider it a higher purpose. I like to tell 

people that I was busy minding my own business literally when the 

call came to serve, and it is such an honor to serve this country 

and this administration and to work with leaders like the ones that 

are represented on this Committee, Chairman Manzullo and Ranking Member Vela ́zquez. 

You know, National Small Business Week gives the SBA the opportunity to honor small business men and women who build the 

products and make the sales and create the jobs that fuel our economy, and I am so privileged to be here with all of these winners 

8

that are representing all of the states of the union. In fact, with 

the indulgence of the Committee, I would also like to acknowledge 

the regional administrators who so ably represent the SBA in all 

of the regions in the country. They are so proud that so many of 

their constituents are being acknowledged, and I would like to ask 

them also to stand, all the regional administrators of the SBA that 

are here today. Thank you so much. 

[Applause.] 

Mr. BARETTO. Our winners represent a wide range of products 

and services, including a mix as diverse as American society and 

culture itself, from shipbuilding to outdoor furniture manufacturing 

to day spa and boutique services to Web design, advertising, wireless communication, restaurant owners, sandwich makers, general 

contractors, and everything in between. Twenty-three percent of 

our winning businesses are minority-owned businesses. Three percent are African-American, 14 percent are Hispanic-Americans, six 

percent are Asian-Americans, 21 percent are veterans, and women 

own 28 percent of the winning businesses, 10 percent more than 

last year. And I think that that is important because I think everybody in this room knows that the fastest growing segments of small 

business are women-owned and minority-owned small businesses 

who do such a great job. And the general businesses that are represented here today are really also leading the way in creating 

many of the opportunities that we see. 

Again, I want to thank the chairman and the ranking member 

and this Committee for all of their counsel and all of their support. 

It truly is a privilege to work with them, and I look forward to 

working with them in partnership to do all of the great things that 

we need to do for all of the small business owners of America. 

Thank you very much, Mr. Chairman. I am honored to be here 

with you today. 

Chairman MANZULLO. Thank you, Administrator. We are honored to have you here. Thank you so much. 

We have a clock here. Try to keep your testimony to three minutes or so. I know it is a difficult thing to do. Do you want to be 

in charge of the clock? These things happen, you know. Some small 

businessman will be put to work fixing the clock, so do not worry 

about that. 

We are going to start here with Richard Carroll, the founder and 

CEO of Digital System Resources. Mr. Carroll, if you could keep 

your testimony to three to four minutes, we would appreciate it 

very much, and you are going to have to talk directly into that 

mike. 

STATEMENT OF RICHARD CARROLL, DIGITAL SYSTEM 

RESOURCES, INC., FAIRFAX, VIRGINIA 

Mr. CARROLL. Well, thank you very much, Chairman Manzullo 

and Ranking Minority Member Vela ́zquez. Members of the Subcommittee, I want to thank you for the opportunity to testify before 

the Committee today. 

My name is Richard Carroll. I am the founder and CEO of Digital System Resources. DSR was founded in 1982 with two employees. The company became incorporated as Digital System Resources, Inc., in 1985, when we had eight employees. We won our 

9

first contract, which was an SBIR contract, part of the Small Business Innovative Research Program, at which time we had 24 people 

working for the company. Today, we employ 480 scientists and engineers, and our annual sales are in excess of $100 million a year. 

D.S.R. has offices in Fairfax, Virginia; Crystal City, Virginia; Virginia Beach, Orlando, San Diego, Anaheim, and Kauai, Hawaii. 

Our success is directly attributable to the Small Business Innovative Research Program. Since our first SBIR contract award in 

1988, we have been awarded over 80 separate Phase I, II, and III 

SBIR contracts. 

The SBIR program opened the door for DSR to prove to initially 

the Navy that a small business with just 40 people could design, 

develop, test, and provide a data processing system for a major 

military system. In competition with large companies, such as 

Lockheed Martin and Raytheon, now the first and fourth largest 

defense contractors in the world, our company has been very successful in providing a small business alternative. 

Our product was called a multipurpose processor, which is a computer that does data processing for the sonars on board our nation’s submarines. The MPP, as it is known, replaced legacy sonar 

systems, or is to replace them, in our entire nuclear submarine 

fleet. And we believe it could have only been done by a small business, what we did. It has had nearly $300 million of follow-on work 

to provide these systems for the submarine fleet. 

More important than providing a small business can do the job, 

DSR proved that using a small business to provide a competitive 

alternative in this case to what was longstanding, incumbent, large 

businesses got innovation moving. The system we provided is much 

more capable, faster, and cheaper than the traditional process that 

was used. We adapted commercial, off-the-shelf hardware with 

open system software that allowed the software and the hardware 

to be developed independently, something that we find in our commercial world often but not in our military world. 

Chairman MANZULLO. How are you doing on time, Richard? You 

have got three minutes. 

Mr. CARROLL. Okay. I will finish up here. 

Chairman MANZULLO. All right. Thank you. 

Mr. CARROLL. The SBIR program—I just wanted to mention a 

couple of things about that. The SBIR program was recently reauthorized, and I think that the Committee made a home run in reauthorizing the SBIR program. The final step that is needed is that 

the directive that the SBA has to issue on the SBIR program is not 

issued, and I understand it is very, very close, and we really feel 

like that needs to be issued. Thank you. 

[Mr. Carroll’s statement may be found in appendix.] 

Chairman MANZULLO. Thank you very much. Our next witness 

is my constituent, Gene Berg. He hails from Byron, Illinois, and 

Gene, at the ripe, old age of 39, decided that he needed to buy a 

business, and after 19 trips to China, thank God, he got involved 

in keeping that business in Byron, Illinois, which is the nearest 

biggest town to my unincorporated town of Egan, Illinois, population 39. So I look forward to your testimony, Gene. 

10

STATEMENT OF GENE BERG, AUSTIN/WESTRAN, BYRON, 

ILLINOIS 

Mr. BERG. Thank you. As Don said, my name is Gene Berg, and 

I thank you for the opportunity to sit before you and tell my story, 

the story of what might not have happened without the assistance 

of the Small Business Administration. 

I am the president and owner of a small business named AustinWestran, located in Byron, Illinois. We are a manufacturer of products that include trailer landing gear, commercial vehicle components, and a line of corn-burning stoves for residential heating. We 

employ 200 proud, UAW team members in our 200,000 square-foot, 

modern manufacturing facility. 

My story begins early last year, when the company I was working for as chief operating officer found itself in a position that required it to divest of this division, called Austin-Westran. Several 

suitors stepped forward, with the most likely acquirer being a competitor headquartered in Germany. Of note is that the selling of 

this plant to any of these suitors would result in its closure, 200 

jobs lost and/or dislocated, some possibly moving outside the 

United States—a picture we have all seen much too often.

Shortly after the decision to divest, I decided to attempt to buy 

Austin-Westran. As Don said, I was 39. It was time to get moving. 

After six months of financial wrangling, I came up short of financing, and the deal feel through. About that time, Mr. Manzullo’s office called me and asked if there was anything they could do to assist me. They called me. Coming from a family of staunch conservatives, I was doubtful that the government could assist me with 

much of anything, at least that is what I had been taught, but I 

had no choice. The Byron plant would be gone and my dream of 

owning a manufacturing company ended, and the 200 jobs, most 

importantly, would not be there. 

Mr. Manzullo’s office put me in touch with a local development 

corporation, assisted in numerous other ways, and we began the 

process of qualifying for a $1.3 million SBA 504 loan. I would never 

have guessed that working with the government could have been 

so fruitful and efficient, but in very short order we were approved. 

With the SBA financing secured, we closed the deal February 2nd 

of this year, 200 jobs in our community saved, our community left 

intact. 

We are proud of what we have been able to accomplish in our 

short life as Austin-Westran. We have been awarded contracts to 

manufacture corn-burning stoves for heating homes. In addition, 

we have secured a $1 million contract to produce trailer landing 

gear for Mexican trailer companies and have begun a program to 

set up an operation to serve the China market. 

No, this is not a case of outsourcing to low-wage countries like 

we hear so much about. This is Austin-Westran, located in Byron, 

Illinois, making products for Mexico and shipment to China. These 

contracts have resulted in 17 new jobs, of which 53 percent of the 

team members are of minority descent. 

Quickly, since Mr. SBA Administrator is here, since I owe you 

money, you will be interested in knowing we are doing well and 

able to pay our loan. Okay? 

[Applause.] 

11

Mr. BERG. You made me nervous when you showed up. 

In conclusion, I would just add that this Committee does important work. As it was so well stated by the Committee members, 

small business is critical to the growth and vitality of this country. 

The Small Business Administration helped save Byron, Illinois, 

and gave me the opportunity to pursue my dream. It is your committee that leads this country in support of small business. For 

that, I would like to thank you. 

[Mr. Berg’s statement may be found in appendix.] 

Chairman MANZULLO. Thank you very much. 

[Applause.] 

Chairman MANZULLO. Congressman Mike Ross is going to give a 

second introduction to Mr. Siccardi. You did not realize that, did 

you? Okay. Mike? 

Mr. ROSS. Thank you, Mr. Chairman. In the spirit of Small Business Week and as a fellow Arkansan, I want to welcome Frank 

Siccardi for being here and thank him for sharing his success story 

with us. I want to thank my friend and colleague, John Boozman 

for coming to give his introduction as well. 

Let me just say that as a small business owner myself with 12 

employees back home in Prescott, Arkansas, I know what it is like 

to meet a payroll every Friday, and I understand the difficulties 

and challenges that someone who is trying to establish and grow 

a business faces. I have been there, and I appreciate the effort that 

you and the other witnesses today have put into making your business successful. 

Frank Siccardi had a vision to create a cleaner, safer, and more 

energy-efficient environment for poultry processing. Arkansas is 

home to an awful a lot of chicken and poultry processing plants. 

He has taken this vision and not only created the air-quality system to do it, but he has worked, even when not many people took 

him seriously, to turn it into a successful business that now benefits the poultry industry as well as many other types of large warehouses and manufacturing facilities. 

As members of Congress, we have to work to make sure that our 

government provides resources and opportunities to help small 

businesses have the chance to succeed. We need to be there for 

them, not against them. Small businesses truly are the engine of 

our nation’s economy, and they create an awful a lot of economic 

opportunities for people from all walks of life. I want to commend 

you, as well as all of the guests here, for your success, and I want 

to personally congratulate Frank Siccardi for being Arkansas’s 

Small Businessperson of the Year. Thank you for being here. 

Thanks to all of you for being here. We look forward to hearing 

your testimony today. 

Chairman MANZULLO. Thank you, Congressman Ross. Our next 

witness is Roberto Espat. Roberto, do you want to pull that mike 

up closer to you there? Can you see the colors? When it gets to yellow, you have got one minute to go. Is it green now? 

Mr. ESPAT. It is green now. 

Chairman MANZULLO. Okay. 

12

STATEMENT OF ROBERTO E. ESPAT, ROSES SOUTHWEST 

PAPERS, INC., ALBUQUERQUE, NEW MEXICO 

Mr. ESPAT. Thank you, Mr. Chairman. Thank you, SBA, for all 

you do for small business. I happen to be one of those that did not 

do any business through SBA. We were at one time a certified 8(a), 

but unfortunately it was very difficult for us to get any GSA contracts because it was difficult to penetrate GSA—no fault of the 

SBA. And thank you for this honor. We are proud to be here and 

proud to be part of SBA. 

I am frequently asked, because I come from the little country of 

Belize, am frequently asked, how did you get here? I say I canoed 

up the Rio Grande. 

Anyway, on a more serious note, we started the business. After 

a couple of rejections from a couple of banks, we were fortunate to 

find one bank that started to carry us, and we started back in 1986 

doing recycled paper to produce paper products: toilet tissue, paper 

napkins, et cetera. We started with one machine, one line, a toilet 

tissue line back in 1985. The first year we had less than 12 employees, a 20,000 square-foot building, one line, and less than half a 

million dollars’ sales. 

Today, I am proud to say that we have 250,000 square feet. By 

the end of this year we will have 17 production lines, employ 200 

people, and our sales this year should reach somewhere around $55 

million. None of this would be possible today if it was not for our 

people, our staff, our employees. We have tried to do everything we 

can for them. Since the second year of business we have had a profit-sharing program, and we give them all of the benefits that are 

available, including a 401K, health plans, et cetera. 

We would like to suggest that the government can help SBA by 

helping deregulation. There is so much paper work, so many things 

that are happening that really frustrate small business and sometimes make it impossible for small business to exist. Thank you for 

the time you have given me. 

[Applause.] 

[Mr. Espat’s statement may be found in appendix.]

Chairman MANZULLO. Okay. Our next witness is John Bartoletta 

with High Street Financial Group out of Tampa, Florida. John, I 

look forward to your testimony. 

STATEMENT OF JOHN BARTOLETTA, HIGH STREET FINANCIAL 

GROUP, TAMPA, FLORIDA 

Mr. BARTOLETTA. Mr. Chairman, distinguished Committee members, I am honored and delighted to have this opportunity to directly address those who have jurisdiction over the Small Business 

Administration and the ability to advise Congress on the issues 

that concern small businesses. I hope my testimony regarding the 

High Street Financial success story will serve as inspiration and 

encouragement to help other small businesses achieve success. 

High Street Financial is an independent, registered, investmentadvisory firm headquartered in Tampa, Florida. High Street is registered with the United States Securities and Exchange Commission. We offer customized investment-management services to institutions, professional associations, and high-net-worth individuals 

13

and have earned a reputation as one of the best quantitative 

money managers on Wall Street. 

We feel that we are redefining traditional institutional investment management by offering one of the most sophisticated investment-management systems ever made available to investors. This 

proprietary investment system is known as Dynamic Style Rotation. 

High Street’s mission is to form a partnership with our clients 

and provide them with the most complete investment-management 

program available in the industry. At High Street we understand 

investing and the responsibility that goes along with prudent management. That is why all of our institutional investment experience, breadth of capabilities, and resources are focused on giving 

the client the best possible personalized attention, professional 

stature, ultimate privacy, and timely implementation of their specific investment needs, goals, and objectives. 

We believe it is significant that clients understand and share in 

our firm’s long-term vision. Consistent bottom line investment success is only achieved through comprehensive planning, a multidisciplined investment strategy, and a client commitment to the overall process and patience. We continually strive to uphold the highest standards of performance, practice, and procedure in the industry. 

The cornerstone of the program is our documented fiduciary prudence, exceptional client service, responsive back office support, 

and superior institutional investment management utilizing Dynamic Style Rotation. Our mission can be quantified, and we call 

it I-cubed-E: image, infrastructure, implementation, and execution. 

In all aspects of the client relationship we strive to meet and exceed the client’s expectations. High Street takes as much burden off 

the client as possible. The necessary paper work is filled out for the 

client, transfer of the assets is tracked and expedited by continuous 

contact with the transferring firm while the client is informed 

every step of the way. Communication is made to the client when 

we receive the paper work, when the custodian of the assets receives the paper work, and when the assets are finally transferred. 

It is this commitment to execution that has earned High Street the 

fastest-growing firm in the nation above $200 million with the least 

amount of internal errors among all asset-management firms that 

custody their assets with Fidelity. 

Chairman MANZULLO. How are you doing on time, John? 

Mr. BARTOLETTA. I have got 14 over. 

Chairman MANZULLO. All right. 

Mr. BARTOLETTA. Everyone at High Street takes great pride in 

providing our services that help to secure the financial well being 

of numerous small businesses not much different than our own. 

The bulk of our asset base is comprised of pension plans, profitsharing plans of small businesses, physicians, dentists, and chiropractors nationwide. 

America’s small business community provides the entrepreneurial engine for America’s future economic growth. The leaders 

of America’s small businesses are people whose motto is, ‘‘the difficult we do immediately; the impossible takes a little longer.’’

14

Mr. Chairman, I would like to close by saying again how honored 

I am to be invited to speak at this hearing. My entire staff at High 

Street is also honored and humbled, and I would like to congratulate you on the excellent job you are doing in instilling and nurturing the entrepreneurial spirit for small business. The entrepreneurial spirit embodied by small business has played a critical role 

in the development of the United States as the leading world economic power, and we commend your efforts to deliver that message 

to the American public. Thank you. 

[Mr. Bartoletta’s statement may be found in appendix.] 

Chairman MANZULLO. John, thank you very much. Another example of a little guy that got involved in big finance and made it 

successful. Thank you for your testimony. 

Mr. BARTOLETTA. Thank you. 

Chairman MANZULLO. I wonder if we should show the video at 

this time. We can do that. All right. John Francis is with the 

Northern Virginia Roofing Association out of Falls Church, and in 

lieu of his testimony you have got a video for us. Is that right? 

Mr. FRANCIS. That is correct. 

Chairman MANZULLO. All right. How long is the video? Is it four 

minutes? 

Mr. FRANCIS. Or so. Could I make just a brief opening statement? 

Chairman MANZULLO. You bet. 

Mr. FRANCIS. Thank you. Chairman Manzullo—— Chairman MANZULLO. Make it brief if you have got a video. 

Okay? 

STATEMENT OF JOHN FRANCIS, NORTHERN VIRGINIA 

ROOFING, INC., FALLS CHURCH, VIRGINIA 

Mr. FRANCIS. It will be very brief. My name is John Francis, and 

this is my wife, Kimberly. We own and operate Northern Virginia 

Roofing, a small business, and appreciate the opportunity to testify 

on behalf of the National Roofing Contractors Association, or the 

NRCA. Kimberly and I are here today for reasons other than the 

great work done by the Small Business Administration. We are 

here to discuss the NRCA’s small business volunteer effort to reroof 

the Pentagon and have brought a short videotape for you to view. 

We would be happy to answer any questions. Thank you. 

Chairman MANZULLO. Okay. If you want to turn that video so 

that the folks here can see it. I think we have time for the video. 

Why don’t you turn it more towards the audience? We can move 

over there to catch it ourselves, just a little bit there. 

[The video was played.] 

[Applause.] 

Chairman MANZULLO. This Committee will be in recess while we 

go and vote, but just continue watching the video. 

[Mr. Francis’ statement may be found in appendix.] 

[Whereupon, at 3:30 p.m., a brief recess was taken.]

Chairman MANZULLO. Congressman Pomeroy, do you want to 

come on up? Congressman Earl Pomeroy is from North Dakota, 

and we advised him that one of his constituents was coming, and 

so we asked him to come and introduce his constituent, Mr. Kuntz. 

Earl? 

15

Mr. POMEROY. Thank you for your accommodation. I want to 

briefly tell you about these folks because like all of the representatives of small business, America’s engine, testifying today, there is 

really quite an extraordinary story behind North Dakota’s winners 

of the Small Business of the Year Award. 

Five years ago, Grand Forks, North Dakota went under the 

water of the Red River. Incalculable damage all across the town 

and a family-owned print shop contemplating expansion found 

themselves stopped dead in their tracks as the facility got inundated, the town got decimated, and they were out of business for 

a period of better than six months. They estimate they took it on 

the chin to the tune of $800,000 to $1,000,000 in terms of lost opportunity—a hell of a hit for a family-owned business. But with the 

small business assistance disaster support, they were able to get 

the capital they needed to build back, and build back they did. 

Now, Mr. and Mrs. Kuntz, along with their son, Kevin, who is 

part of the business, and their other son, who while at the university is also part of the business, have built back to more than double where they were before the flood. This shows, I think, an extraordinary story of personal resilience, business acumen, entrepreneurial spirit, but there is even another chapter to the story I just 

found out about. 

As they looked at the total shutdown of their business for the 

foreseeable future, as they slogged through the muck of what remained of their business, they knew that they had employees that 

were suddenly without a pay check, suddenly totally without support, and they made a decision, Mr. and Mrs. Kuntz, that they 

were going to keep health insurance in place for their work force 

even while they worked to get a business up and running again. 

And so they did. They paid the premiums, and they kept health insurance absolutely in force for their work force until they could get 

the shop up and running. And each of those employees, not surprising, is still with that business today. It is an outfit that we are 

really proud of, people that I am proud to know, and I just wanted 

you to know that about them. Mr. Chairman, I appreciate you having them testify today. 

Chairman MANZULLO. Thank you, Congressman, for taking the 

time. You can stick around here as long as you like. Let us do this. 

Let us skip to Mr. Kuntz, and then we will come back to Mr. Shore 

while your congressman is here. I look forward to your testimony. 

Mr. POMEROY. Thank you, Mr. Chairman. 

Mr. KUNTZ. Thank you, Chairman Manzullo, and thank you——

Chairman MANZULLO. You want to slide the mike up closer. 

STATEMENT OF DONALD KUNTZ, FINE PRINT OF GRAND 

FORKS, GRAND FORKS, NORTH DAKOTA 

Mr. KUNTZ. Thank you, Chairman Manzullo, and thank you, 

Representative Pomeroy. Your greeting was outstanding. Thank 

you. 

Fine Print of Grand Forks is a full-service commercial print shop. 

We specialize in high-quality, four-color printing. We produce printed products, such as posters, calendars, books, promotional materials, brochures, along with other common things such as business 

cards and envelopes. Today, we employ 23 full-time employees at 

16

our locations in both Grand Forks, North Dakota, and Thief River 

Falls, Minnesota. 

We had to overcome countless challenges over the years to make 

Fine Print a success. Our first challenge began back in October of 

1984, when we took over a failing business form shop. The previous 

owner had left bad credit, worn-out machinery, and unqualified 

employees. With hard work and determination, we made Fine Print 

a successful printing company, specializing in high-end, four-colorprocess printing. 

Our greatest challenge began on Friday, April 18, 1997, when the 

dikes gave way to downtown Grand Forks, allowing the ice-cold 

flood waters of the Red River to engulf the city. My son and I had 

to wade through the flood waters to salvage the company’s financial records before they fell victim to the flood. The business was 

a complete loss, while our home sustained extensive damage and 

was unlivable until major repairs could be completed. At that 

point, we joined the 50,000 other residents of Grand Forks as flood 

refugees. 

During the flood, we visited our bank to make arrangements for 

the company’s payroll. They told us not to bother. They said we are 

in over our heads, and we will never succeed. Because of a business 

loan secured by a second mortgage on our house, they told us the 

bank was going to take our home. We were so shocked at what we 

had heard from our bank that we decided to tell our story to our 

congressional delegation. That afternoon their staffs made some 

phone calls, put us in touch with the SBA, and by that evening our 

loan was verbally confirmed. We received approximately $971,000 

in disaster assistance loans. This allowed us to pay our bills, make 

payroll, and open our doors to a new building six months later. 

Since that time, we have doubled our sales and added several 

new full-time positions. We have a digital prepress system on the 

cutting edge of technology, followed up by up-to-date production 

equipment, including a brand-new, four-color press. 

Our employees are highly skilled and well motivated. Countless 

overtime hours have been worked by my family and staff to make 

Fine Print a success. At this point, we have drawn up plans to add 

onto the building and purchase a larger, faster press. The addition 

will result in further growth for the company. 

We were also very fortunate to have our loans managed by the 

people in the North Dakota SBA office. Since our disaster assistance loans were not managed by the centralized service center in 

Fresno, they were not sold as part of the SBA asset sales. Because 

our loans are still being managed by the SBA, we are able to finance the upcoming additions to our building and continue to grow. 

Other Grand Forks businesses are not so fortunate as we were, as 

their loans have been sold to a third party and their recovery hampered by this arrangement. These third-party financial institutions 

will not subordinate to other lenders like the SBA does, further restricting growth for these companies. 

The SBA has proven to be a beneficial partner in disaster recovery. On behalf of all of the businesses in Grand Forks, North Dakota, I would like to extend a thanks to the SBA for all of their 

assistance after the devastating flood. Without your help, a small 

business like ours would not exist today. Thank you very much. 

17

[Applause.] 

[Mr. Kuntz’s statement may be found in appendix.] 

Chairman MANZULLO. Our next witness will be Billy Shore. He 

is chairman of Community Wealth Ventures. When I became chairman of the Small Business Committee, we sort of expanded the jurisdictional scope of the definition of a small business to include 

municipalities, faith-based organizations, not-for-profits, churches, 

and the reason we did that is that all of these organizations have 

the same problems as small businesses except they do not pay 

taxes. And Billy Shore brings a very interesting twist on what he 

is doing with the charities, and we look forward to your testimony, 

Mr. Shore. 

STATEMENT OF BILLY SHORE, COMMUNITY WEALTH 

VENTURES, WASHINGTON, D.C. 

Mr. SHORE. Thank you, Mr. Chairman. Thank you for those introductory remarks and for this opportunity to share information 

about one of the fastest growing but least recognized areas of small 

business, the increasingly successful entrepreneurship of America’s 

nonprofit sector. I am also honored to have the audience of Mr. 

Barreto here today. Thank you for being here. 

It may surprise you to learn that I am speaking of the nonprofit 

sector, the chairman’s comments notwithstanding, but this is the 

sector that is capitalizing on business opportunities to create a new 

kind of wealth. We call it community wealth, nonprofit organizations that are generating profit to help them reduce or eliminate 

their dependence on government and foundation funding. It is perhaps the best untapped market for new revenues, jobs, economic 

growth—everything that the SBA seeks to develop. 

The responsibilities of nonprofit organizations have increased 

dramatically as growth in government funding and social services 

has slowed. Nonprofits have come to realize, as government has in 

recent years, that redistributing wealth by itself cannot solve our 

social and economic problems. Only creating new wealth can do 

that. In growing numbers, nonprofit organizations, such as rehabilitation centers, homeless shelters, youth groups, and community 

development corporations, are addressing the challenge by creating 

community wealth enterprises. They are starting small businesses, 

such as auto repair shops, catering businesses, printing and packaging operations, and Web site development firms. 

In addition to competing in the for-profit marketplace, these mission-driven businesses often provide job training. One of these, for 

example, is Seattle-based Pioneer Human Services, which helps 

more than 5,000 ex-convicts, homeless, and drug-addicted individuals find jobs and rebuild their lives. They have a large business, 

which is a precision light-metal fabricator, that has become the 

principal supplier to Boeing Aircraft for their sheet-metal cargo bay 

liners. 

Each year more than 700,000 501(c)(3) and 501(c)(4) organizations deliver critical services to communities across the United 

States, but they do not have the resources to get to scale or to be 

sustainable. 

In 1984, we started Share Our Strength, an antihunger organization, and as a grant maker we did not want to redistribute wealth; 

18

we wanted to create new wealth. So we worked with corporate 

partners like American Express, Evian, Calphalon, Tyson Foods 

and others not in philanthropic relationships but in marketing 

partnerships that create new wealth. And then we created Community Wealth Ventures four years ago to help nonprofits improve 

their bottom line through the design and implementation of business ventures. 

Organizations that run a business also start to impart business 

thinking in their organization, and this impacts a nonprofit organization’s accountability and program delivery. 

We are proposing that Congress authorize the SBA to create a 

pilot demonstration program to provide technical assistance and 

consulting to nonprofit organizations that receive federal funding 

and to help them establish for-profit ventures. This is not for every 

organization, and for organizations that choose to do it must compete fairly. But we believe that this entrepreneurship is for more 

nonprofit organizations than are currently doing it. 

This Committee has a proud legacy, Mr. Chairman, as you know, 

of helping organizations innovate and helping organizations break 

through to new areas. We believe the nonprofit sector is ripe for 

this now and able to create the kind of community wealth that we 

have described. Thank you very much for bringing and introducing 

this idea into the Congress. 

[Mr. Shore’s statement may be found in appendix.] 

Chairman MANZULLO. Thank you, Mr. Shore. You have got the 

right man here, who is looking at all of you and listening to these 

great ideas. Mr. Siccardi, you have had two introductions by two 

members of Congress. 

Mr. SICCARDI. It is going to be hard to follow those gentlemen. 

Chairman MANZULLO. There it is, one a Republican and one a 

Democrat. You want to pull the mike close to you there. Okay. I 

look forward to your testimony. 

STATEMENT OF FRANK J. SICCARDI, COENCO, INC., 

FAYETTEVILLE, ARKANSAS 

Mr. SICCARDI. Mr. Chairman, Ranking Member, and other members of the Committee, I am happy to be here to discuss with you 

today my work for the past 30 or 40 years. 

My name is Frank Siccardi. I am the president of a company 

called Coenco. That stands for Coordinated Environmental Control. 

Forty years of university, government, private independent research in many areas all can be generalized as looking for the 

cause, not the effect. I am not interested in the Band-Aid, and 

what that generally means is original thought. So one is not going 

along with the crowd. That means change, and most people do not 

like change or the people that propose change. It ain’t easy, in 

plain language. 

I believe you will all agree that energy use and conservation and 

the related pollution problems are of a major concern to our society 

today in many, many ways. The work I am reporting on today potentially has a really significant impact on the total energy use of 

our country and the pollution problem. Basically, big buildings are 

energy hogs. We have a basketball arena at the university, and it 

only uses $30,000 worth of gas and electric a month, which turns 

19

out to be 350 to $400,000 a year. That is a lot of energy for a building that is only used about 10 times a year. 

About eight years ago, my interest shifted to large buildings from 

the poultry industry. Basically, I am a veterinarian by training, but 

after a lot of good schooling and exposure overseas with USAID 

and other programs, I have had the opportunity to be able to look 

at things as basically a problem solver. About eight years ago, my 

interest shifted to large buildings: warehouses, factories, food 

plants, gymnasiums, coliseums, and so forth. 

Getting to the point, I have developed a totally new and different 

approach to big buildings. In its simplest sense, it is a unique air 

mover that shoots a bullet of air, and the net result is a series of 

these units allows us to create in a big building a uniform temperature and humidity, and now the big thing is the building and its 

contents becomes a thermal bank. 

For instance, there is a little company in Arkansas I work with, 

and they have a number of good-sized warehouses, 1.2 million 

square feet, to be precise. We have a number of these under my 

control, and what we have found recently, and I might say that 

right now our knowledge and growth just continues to expand. To 

make a long story short, a 1.2 million-square-foot building, if it is 

under 80 and above 25 degrees, the energy use for that building 

to maintain 70 degrees is exactly $13.52 a day at six-cent electricity. 

I see my time is up, but that is a measure of what we are talking 

about, and I have here a number of examples that I could go into 

that are just unbelievable what the opportunity is because we create a uniform temperature and humidity on a pulsing basis, very 

precisely controlled, and now the building and its contents does not 

want to go anywhere. Thank you. 

[Applause.] 

[Mr. Siccardi’s statement may be found in appendix.] 

Chairman MANZULLO. I see Gene Berg over here definitely wants 

to talk to you. His corn burner heats a 2,000 square-foot house on 

a bushel of corn a day, so that is quite efficient. 

Our next witness is Belinda Guadarrama from GC Micro Corporation, and if you could pull the mike up closer to you, I look forward to your testimony. 

STATEMENT OF BELINDA GUADARRAMA, GC MICRO CORP., 

NOVATO, CALIFORNIA 

Ms. GUADARRAMA. Thank you. It is an honor to speak before the 

House of Representatives Committee on Small Business today. My 

name is Belinda Guadarrama, and my company is GC Micro. We 

have been providing personal computer hardware and software to 

the federal government and Fortune 1,000 customers across the nation since 1986. 

As a small business, GC Micro faced a number of challenges that 

are common to most small businesses. The lack of capital was a serious problem until I was able to obtain an SBA-guaranteed loan. 

As a woman and a minority, it has been difficult breaking into the 

established network. However, the federal contracting goals that 

have been established for small businesses have provided numerous opportunities for us. 

20

G.C. Micro is a proud participant of the SBA 8(a) program, and 

we will be graduating in August. I would like to thank the Small 

Business Administration for the opportunity to participate in Small 

Business Week. I am honored to be the Businessperson of the Year 

for California and delighted to be chosen as the second runner up 

for the national award. And, of course, it was also very exciting to 

meet President Bush and his dogs on Monday. 

However, I am concerned that some of Congress’ original intentions under the Small Business Act are eroding over the years. 

There are three areas of concern that I would like to highlight. As 

an example, it is my understanding that the Lockheed Joint Strike 

Fighter contract has been awarded with no apparent small or minority business goals. Ten years ago, the House investigated the 

Lockheed F–22 fighter contract when it was discovered that the 

contract had been awarded with a one one-hundredth of 1 percent 

minority business goal and a sixteen one-hundredths small business goal. As a result of the investigation, the Air Force and Lockheed allocated an additional $500 million for small business. 

I would pose the question, how can a DoD contract be awarded 

without small and minority business goals being set in the contract? Unfortunately, there is also no strong mechanism to enforce 

small business goals. Federal law requires any contractor failing to 

make a good-faith effort to achieve their small business goals to 

pay liquidated damages back to the government. However, no contractor has ever been penalized with liquidated damages for failing 

to reach these easily achievable small business goals. 

And additional concern I have is the comprehensive test program 

for reporting subcontracting goals. This program was established to 

increase small business subcontracting by eliminating the requirement to report small business contracting performance on individual contracts. Eliminating individual contract reporting is similar to trying to improve the scholastic performance of students by 

eliminating report cards. I believe this allows contractors to circumvent accurately reporting their small business subcontracting 

performance. I believe that an inquiry into this program would 

show that in reality it has dramatically reduced business opportunities for both small and small, disadvantaged businesses. 

In closing, I believe Small Business Week is a celebration that 

demonstrates to major government contractors and federal agencies 

that when you embrace the nation’s small business programs, you 

are expanding our country’s economy and stimulating the economic 

engine that generates a major portion of the tax dollars that fund 

the government contracts. 

Chairman, Administrator, members, I thank you very much for 

the support and hard work that you do on behalf of small businesses. 

[Applause.] 

[Ms. Guadarrama’s statement may be found in appendix.] 

Chairman MANZULLO. Thank you. 

[Applause.] 

Chairman MANZULLO. Our next witness comes from the State of 

Montana, where we had a very interesting time out there in West 

Yellowstone National Park, Brenda Burkhartsmeier. I look forward 

to your testimony, Brenda. 

21

STATEMENT OF BRENDA BURKHARTSMEIER, MOUNTAIN 

MUDD & MOUNTAIN MANUFACTURING, BILLINGS, MONTANA 

Ms. BURKHARTSMEIER. Thank you very much. Small Business 

Week is a great celebration for all of us here, and small businesses 

come in all shapes and sizes, and our size is certainly one of the 

smaller ones. We started out in an eight-by-eight, drive-through, 

coffee kiosk in Billings, Montana, of all places. 

After attending the luncheon we had previous to this meeting, I 

am very proud and honored that we have someone such as yourself, 

Chairman Manzullo, with such a great fighting experience, and 

thank you very much for your dedication in fighting for us and the 

rest of the Committee. 

Like many small business owners, we had a vision back in 1994, 

my sister-in-law and I, of starting a little coffee company. And 

probably the most frequent question I have been asked since I have 

been to Washington is not about the business but how did you 

come up with a name like Mountain Mudd. Well, I have to tell you 

that it was between Two Dumb Blondes Espresso or Mountain 

Mudd, so I am sure glad we chose the latter. 

As we pursued our idea, we wanted to do something different, 

and if you have been to West Yellowstone, you know that we can 

have a lot of snow. If you listened to the news this morning, we 

had over eight inches of snow just yesterday, and, well, we probably get two nice days out of the year, so we knew we could not 

do a sidewalk cafe like Starbucks. So we did a drive-through coffee 

kiosk with an enclosed environment, and it has really been the secret to our success. 

My husband and I, Dennis, built that first coffee kiosk in our 

friend’s garage. It took us over four months to build it, and we had 

no idea what we were doing. But now our little company produces 

one building every other day, and we have a 20,000 square-foot 

manufacturing plant. We have sold our coffee kiosks to 150 other 

individual people just like myself and my husband, and we impact 

over 400 hard-working individuals. 

The ideas, though, come with rules and regulations, and you 

touched on that in your speech. Not only federal government red 

tape and rules and regulations can hinder small businesses like 

ourselves from growing and prospering. When we go into a city or 

a community, we must deal with misconceptions and people not 

knowing exactly what our business is. It is a small, portable, little 

business on wheels. So we have to go through many local agencies, 

zoning issues, sign permits, planned urban development permits. I 

could go on and on and on. 

So I would urge you to definitely look into the red tape in small 

business because a small business can grow from a really small little dream into a big company, and thank you. 

[Applause.] 

[Ms. Burkhartsmeier’s statement may be found in appendix.] 

Chairman MANZULLO. Thank you. I am sorry. I am so tired. 

Ms. MILLENDER-MCDONALD. That is all right, Mr. Chairman. 

Take a coffee break. 

Chairman MANZULLO. I need that very much. Please go ahead. 

Ms. MILLENDER-MCDONALD. Thank you, Mr. Chairman. Thank 

you so much for bringing these outstanding small business folks to 

22

us today. Given the National Small Business Week, we are so 

grateful to all of you and the work that you have done, and especially having the administrator sit on the dais with us, I tell you, 

this is really good news and hot stuff. To have him here, representing California and all others, and you, young woman, is 

it——

Ms. GUADARRAMA. Guadarrama. 

Ms. MILLENDER-MCDONALD [continuing]. Guadarrama, congratulations to you for California’s best in small business. 

But I say to you, Mr. Chairman, that this is just a reflection of 

what can be done once you get a team of folks and people like these 

outstanding folks with your team behind you and your respective 

businesses working together and trying to be as efficient as you 

can. This as a ranking member on this Committee, and I applaud 

you and the young woman in the orange dress out there, your spirit is what has been the driving force. The energy that you brought 

in your presentation certainly is indicative of why you are successful. And so I have nothing else to say. What can you say to success 

but thank you? 

Thank you, Mr. Chairman. I turn it back to you with my statement for the record. 

[Ms. Millender-McDonald’s statement may be found in appendix.] 

Chairman MANZULLO. Thank you. Your statement will be included in the record. Congressman Thune? 

Mr. THUNE. Thank you, Mr. Chairman. I cannot add anything to 

that except to say thank you and congratulations to all of you. You 

are what the entrepreneurial spirit is all about, and I had the opportunity earlier—I just came from a meeting in my office with our 

Small Business of the Year award winner in the State of South Dakota. In South Dakota, I think every business is by definition small 

with a couple of exceptions, but they are really the job-creating engine, and we want to do everything we can to make sure that you 

have at your disposal the freedoms, the lack of regulatory and tax 

barriers in order to succeed, and if there are things that we can 

do with the programs that SBA administers, fine tune those to 

make those more workable to add to your success, we certainly 

want to be available to do that, and just appreciate the great job 

that you are doing out there creating jobs in this economy. Thank 

you very much for being here. It is wonderful to hear these powerful testimonies and success stories. It is kind of inspiring, actually. 

We might have to go try something else for a living, huh, guys? 

Ms. MILLENDER-MCDONALD. Of course, you will. 

Chairman MANZULLO. I have got just a couple of questions. I cannot ask a question of everybody, but I am fascinated by the power 

conversion to which you referred Mr. Siccardi. Would you explain 

this again? 

Mr. SICCARDI. Basically, in a big building you have got a monstrous heater or air conditioner that makes cold air or hot air, and 

it comes in just like a mushroom, and then it goes out, and the air 

is not really distributed. In our building what we have been able 

to do is distribute the air effectively. For 30 seconds, 60 seconds 

our air movers are on, and then they sit there, and this monstrous 

building is 70 degrees, and it does not want to go anywhere. So 

23

consequently, the building and all its contents becomes a stable, 

uniform mass. 

I will give you another example. We work at a company in Arkansas that does canning of vegetables. Here is a 100,000 squarefoot warehouse full of canned goods, and we circulate the air, and 

in the wintertime these canned goods, 70 degrees, ceiling to floor. 

Right next door is another warehouse, 100,000 feet, full of canned 

goods, and heaters are in the ceiling like in a regular building. A 

hundred and five on the ceiling. The temperature is 47 on the floor. 

That heat as it is going through the roof is taking all the heat of 

the building out. And the difference is when we do it our way, the 

building and all its stuff becomes the same temperature, and it 

does not go anywhere, and it just needs pulsing, very efficient pulsing. It is that simple. 

Another point. 

Chairman MANZULLO. Go ahead. 

Mr. SICCARDI. Oftentimes, in a large building the thermostat is 

over there against the wall. It has no relationship with the air of 

the building. In my presentation there is a very good demonstration of how when the system is on, we can go from 55 to 70 degrees 

just like that using 100,000 BTUs, for instance. Without the circulation it takes, like, three hours and 800,000 BTUs for that thermostat to get satisfied. And the net result is in the regular building 

the temperature is going up and down. We are plus or minus one 

degree constantly. It is so simple it is ridiculous. The unique thing 

is, as a friend of mine with a large, major control company said, 

it is unbelievable, but what you did is about what is up there, 

which we do not pay attention to in regular—— Chairman MANZULLO. So you take and you jet—what is the 

word?—jet streams of air—— Mr. SICCARDI. Boulevair. 

Chairman MANZULLO [continuing]. Boulevair, and that breaks up 

the mass. 

Mr. SICCARDI. And it goes to the wall and gets all the air in the 

building moving. 

Chairman MANZULLO. So what normally would cost how much 

for a regular gas bill for a building, how much would you save by 

using that method? 

Mr. SICCARDI. Depending on the geography and the circumstances, it can be as much as, depending on what is really 

going on, it could be 50, 75 or more percent. Hopefully, you will 

read my report. 

Chairman MANZULLO. I will. The complete statements of the witnesses and members of Congress will be made part of the record. 

Gene, would you tell us how you came across that corn burner? I 

think you were looking at an ad in Forbes Junior, or what was it? 

Mr. BERG [continuing]. Fortune magazine had an advertisement 

about a small company in Hutchinson, Minnesota. 

Chairman MANZULLO. It was an article, not an advertisement. 

Mr. BERG. Article. I am sorry. 

Chairman MANZULLO. Go ahead. 

Mr. BERG [continuing]. In Hutchinson, Minnesota, that had developed a very efficient way to burn corn and other fuels, but corn 

being the primary fuel, as an alternative to wood burning, wood 

24

being not a very efficient fuel and also a dirty fuel. In fact, there 

are cities in areas in this country that are beginning to outlaw 

wood burning because of the pollution factor. 

So he developed this corn-burning technology. Literally, a bushel 

of corn goes into the hopper, and as Don mentioned earlier, that 

will heat a 2,000 square-foot home easily for a day, and so a bushel 

of corn is, I do not know, a couple of bucks, Don knows——

Chairman MANZULLO. It is a dollar eighty-one. 

Mr. BERG. So it literally is that simple. There is a thermostat so 

it pulses the corn in there a few kernels at a time and keeps a 

very, very hot fire. I think corn burns at 1,100 degrees, wood at 

three or 400 degrees, and so it gives you a feeling for being a much 

better fuel, and it is clean. It does not smell. You have seen it, Don. 

Chairman MANZULLO. I have seen it. I asked you to bring the 

machine here. 

Mr. BERG. Security would not let me. 

Chairman MANZULLO. Security would not let you bring it in. But 

this was a frustrated inventor. There was an article written by him 

in Fortune magazine, and then you read about him. 

Mr. BERG. Yeah. I did not fully answer your question. I read 

about him in Fortune magazine. He said he could have sold 50,000 

of these in the winter of 2000 had he been able to build them. But 

he had a relatively small shop, more of an inventor than he was 

a manufacturer, and that is the kind of work that we do and do 

well. So we went and met him, introduced ourselves, and said that 

we would like to make those stoves for you, and so he awarded us 

the contract late last year, and we have been making those stoves 

since right around Christmas time. 

Chairman MANZULLO. Now what is unique about this corn burner is the fact that it is 100 percent corn. 

Mr. BERG. Correct. 

Chairman MANZULLO. You do not have to integrate any other 

fuels in it. 

Mr. BERG. Correct. 

Chairman MANZULLO. And then what is it about this burner that 

has very little residue, no odor, and very little smoke? 

Mr. BERG. He will not tell me. 

Chairman MANZULLO. It is efficiency——

Mr. BERG. It is efficiency. It is the way he moves the air. It is 

also the fact that in the burning pot, the burning chamber, he stirs 

the corn as it burns, which does not allow a buildup of the residue 

that you would get from burning corn if it were just idle or sitting 

in the chamber. So it is a combination of its design, the way he 

brings the air in, and the fact that he stirs the corn with a computer algorithm that allows him to not have the buildup and do 

such a great job of heating. 

Chairman MANZULLO. Does this corn have to be totally dry before it goes into the hopper? 

Mr. BERG. You can go to, you know, 13, 14 percent moisture. 

Standard corn. You do not have to have any special drying. One of 

our employees, the team members, bought one at a substantial discount that you can have, Don. He bought one of these, and he literally brings his pickup truck to the farmer down the street, dumps 

25

it into his pickup truck. He takes it home and puts them into 55-

gallon drums that we give him. 

Chairman MANZULLO. So this corn is dried in the field, or does 

the farmer have to dry it in the elevator? 

Mr. BERG. Yes. 

Chairman MANZULLO. It has to be in the elevator. 

Mr. BERG. Correct. 

Chairman MANZULLO. Okay. I just want to let you know that 

there is a company out there that is working on a genetically modified, a GMO corn product that will dry in the field. I have not told 

you about that yet. 

Mr. BERG. No. I am interested in knowing about that. 

Chairman MANZULLO. I told them about that machine that you 

are working with. And the goal there is if it is possible to dry the 

corn in the field, then you can go directly from the field to the hopper——

Mr. BERG. Right. 

Chairman MANZULLO [continuing]. Which would revolutionize 

heating in this country by making it a totally renewable energy 

without having to use gas in order to dry the kernel before it goes 

in. Plus what I noticed when I was there in Byron is that corn is 

not totally dry. 

Mr. BERG. No. 

Chairman MANZULLO. It still had a lot of moisture content in it. 

So very good. Congresswoman Vela ́zquez. 

Ms. VELA ́ ZQUEZ. Thank you, Mr. Chairman, and I want to thank 

all of you again for being here. I am sorry I was not able to stay, 

but I had two more meetings back in my office. 

I think it is appropriate that during this week we celebrate small 

business to talk about the role that the Small Business Administration plays in helping small businesses. Brenda, I saw that in your 

testimony you said that your initial startup financing came from a 

cashing of a life insurance policy and a 401K. At the time, were you 

aware of the SBA financing products? 

Ms. BURKHARTSMEIER. We certainly were aware that the products were out there, but like a lot of entrepreneurial type of people 

we were so excited about the idea and the end result that we did 

not take the time to do a very good business plan, or we did not 

take the time to do a well-executed strategy of how we were going 

to do the business. When we went into our local economic development company, we were a bit put off by the approach. When we 

went in, we were told, well, you have got to have a business plan. 

You have got to have this. You have got to have that. We really 

thought naively that, gee, we were nice and cute, and we thought 

we would go in and waltz in and get the money. 

Well, it does not happen in business. So really we did know 

about it. The information is out there, and it really takes other people, other business people trying to help other business people to 

know where the information is. I think the Web had certainly 

helped because now people, without getting embarrassed going into 

that local economic development person and being told what you 

need and kind of intimidated, they can preliminarily look at that 

site and qualify themselves before they go in. But still, we could 

not have gotten the loan because there was no business like ours, 

26

and so we had to establish the track record, and now our businesses that we sell to, the 150 other people, do have a track record 

to follow. We would not have gotten the loan—well, we maybe 

would have, but there certainly was not anyone in our industry at 

that time. 

Ms. VELA ́ ZQUEZ. So how do you think an SBA loan would have 

benefited you when you started your business? 

Ms. BURKHARTSMEIER. Well, we certainly would have not had to 

have sold our car. We certainly would not have had to maybe ruin 

your credit going along the way because you are robbing Peter to 

pay Paul. All small business people do that when they are starting 

out. We would have had the capital, and maybe we would have had 

some more mentoring and some tutoring along the way to teach us. 

But as small business people, we do need to make mistakes, and 

we certainly made lots of them, and now we teach other people how 

not to make those same mistakes. 

Ms. VELA ́ ZQUEZ. Can any of the other members of the panel who 

have used any of the SBA products talk to us about how you benefited or how your business would have done much better if you had 

the opportunity to use any of those products like loans? Yes? 

Ms. GUADARRAMA. When I originally started GC Micro, the startup capital that I had to work with was from the sale of my house 

back in Texas. That was $20,000, and I went through that very 

quickly. I would not have been able to grow the company if a number of years later I had not been able to receive a bank loan that 

was SBA guaranteed, and that was a $300,000 loan, and that made 

all the difference in the world to us. Once we had that first loan 

in place and were able to pay it off, then at that point the other 

banks became interested in working with us, and it just made a 

tremendous difference. 

The other part of the SBA that we have worked with is with the 

8(a) program, and while we probably only do maybe 15 to 20 percent of our business under the 8(a) program, the first large contract 

that we received was through the 8(a) program. In trying to put 

that contract together, we also went to the Minority Business Development Agency to actually help us put together the contract language because we had not worked with it before. So working both 

with the MBDA and through the 8(a) program, we were able to put 

our first really large contract in place, then had the experience to 

start looking at other contracts. So it made a big difference in my 

company. 

Ms. VELA ́ ZQUEZ. Thank you, Belinda. Any other person who 

would like to comment? Thank you, Mr. Chairman. 

Chairman MANZULLO. Could you yield for a second? 

Ms. VELA ́ ZQUEZ. Sure. 

Chairman MANZULLO. Didn’t one of the witnesses have an SBIR 

loan? The SBIR program; did anybody participate in that? You did, 

didn’t you, Frank? 

Mr. SICCARDI. No. I need to in the worst way from this point on. 

Chairman MANZULLO. First, I want to thank you all for coming 

today. Administrator Baretto, thank you for participating. I wanted 

you up here to sort of get a different perspective. I wanted you to 

look at the people that have come here especially to thank you for 

27

the great work that the Small Business Administration has done. 

You know, Mr. Baretto was sworn in—was it August? 

Mr. BARETTO. It was July 25th. 

Chairman MANZULLO. And then within what, five weeks, five six 

weeks, September 11th came along and really turned this town upside down. But to all of you people here, you represent such a great 

cross-section of America. You are from everywhere. We have got 

Montana and Illinois and California. But what is important is the 

fact that these programs exist in the SBA only to the extent that 

people know about them, and that is the biggest problem that we 

have. 

We still struggle with 9/11 in New York with the small businesses up there because the SBA only has unfortunately very limited authority with the distribution of the help, and we are going 

to be having a hearing in New York City on why the big companies 

are getting all the money, and the small businesses are being hurt 

in a dramatic way. We would like to give the SBA more authority 

over how to use that money because they are the experts at it. 

They know what a disaster is, nothing like 9/11. So, again, I want 

to thank you all for coming out here. 

Mr. Baretto, did you want to have a closing comment? 

Mr. BARETTO. I just want to thank you, Mr. Chairman, and 

Ranking Member Vela ́zquez. I have appreciated the working relationship we have had. I very much look forward to continue working with you. You told me early on that this committee is a bipartisan committee, and there are only business solutions, not partisan solutions, and you have proven that, and it has been a pleasure to work with you. 

I also want to recognize a couple of the other individuals that do 

great work for us. A lot of the questions were on regulations. The 

chief counsel of advocacy of the SBA is here, Tom Sullivan, and 

also Michael Barrera, the national ombudsman. Any of you who are 

having any issues with regulations, I invite you to get to know 

them. And thank you so much again for all your leadership and everything that you do to make American small business strong. We 

appreciate it very, very much. Can we give the congressmen and 

the ranking member a round of applause? 

[Applause.] 

Chairman MANZULLO. This hearing is adjourned. 

[Whereupon, at 4:30 p.m., the committee was adjourned.]

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