Changes

*GAO also released Report 10-108 which found that failing to hold firms accountable sent a message to the contracting community that there is no punishment or consequences for committing fraud. See [http://www.gao.gov/new.items/d10108.pdf| the report] for more information.

*The CATO Institute argues that the very conception of the SBA was a bad idea, questioning the federal government's strategy in intervening in the credit market. They say that the United States grew to be an economic powerhouse with a small centralized federal government that largely left business development to the private sector. For more information about the CATO institute's criticism, see this [http://www.cato.org/publications/congressional-testimony/waste-fraud-abuse-small-business-administration-programs| article].