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Tattler 2/22
favorite R&R writers and editors. Nominations are open now and Volume XXXIV• Number 8 • February 22, 2008 can be submitted simply by clicking http://infinitedial.com/ 30under30.php and filling out the entry form. Remember—the Conclave and Edison Media Research want your young talent to be AIN TREET recognized as much as you do, so take the time and sell them! M S Nominations will run from now through the end of March. Feel free Presents to nominate as many young broadcasters as you wish. Concludes TheThe ConclaveConclave Larry, “Thanks, and we look forward to seeing you at the Conclave in a few months!” A T T L E A T T L E th TT RR The FCC finds out February 29 if the Supreme Court will hear its case over their authority to fine TV stations for the broadcast of the Publisher: Tom Kay F-word under federal indecency laws. Four of nine votes are needed Cartoons Pilfered by Lenny Bronstein & Jay Philpott to ensure the court’s review. The FCC denied the appeal of ABC owned stations and their affiliates for the February 23rd, 2003 airing 30 Under 30 Returns to the Conclave Learning Conference! Last of NYPD Blue which showed a woman’s bare butt. The FCC gave year when the Conclave and Edison Media Research launched 40 affiliates until February 21st – only 52 hours from the appeal denial the first 30 Under 30, celebrating the 30 brightest young stars under – to pay the $27,500 fine. At the same time, it cancelled the fines to the age of 30 in broadcasting, we had no idea what to expect or how one dozen other stations. -
Broadcast Applications 10/1/2009
Federal Communications Commission 445 Twelfth Street SW PUBLIC NOTICE Washington, D.C. 20554 News media information 202 / 418-0500 Recorded listing of releases and texts 202 / 418-2222 REPORT NO. 27082 Broadcast Applications 10/1/2009 STATE FILE NUMBER E/P CALL LETTERS APPLICANT AND LOCATION N A T U R E O F A P P L I C A T I O N FM STATION APPLICATIONS FOR ASSIGNMENT OF LICENSE ACCEPTED FOR FILING MA BALH-20090928AHR WCRB 23441 NASSAU BROADCASTING II, Voluntary Assignment of License L.L.C. E 99.5 MHZ From: NASSAU BROADCASTING II, L.L.C. MA , LOWELL To: WGBH EDUCATIONAL FOUNDATION Form 314 FM AUXILIARY TRANSMITTING ANTENNA APPLICATIONS FOR AUXILIARY PERMIT ACCEPTED FOR FILING CA BXPED-20090928ALA KZSC 66310 THE REGENTS OF THE CP for auxiliary purposes. UNIVERSITY OF CALIFORNIA E 88.1 MHZ CA , SANTA CRUZ AM STATION APPLICATIONS FOR DIRECT MEASUREMENT ACCEPTED FOR FILING MO BZ-20090921AEB KTRS 20359 KTRS-AM LICENSE, L.L.C. Direct Measurement P 550 KHZ MO , ST. LOUIS DIGITAL TRANSLATOR OR DIGITAL LPTV APPLICATIONS FOR DISPLACEMENT ACCEPTED FOR FILING NC BDISDTT-20090928ABX W09AR 66397 MEDIA GENERAL Minor change of callsign W09AR. COMMUNICATIONS HOLDINGS, E CHAN-43 LLC NC , WEAVERVILLE Page 1 of 12 Federal Communications Commission 445 Twelfth Street SW PUBLIC NOTICE Washington, D.C. 20554 News media information 202 / 418-0500 Recorded listing of releases and texts 202 / 418-2222 REPORT NO. 27082 Broadcast Applications 10/1/2009 STATE FILE NUMBER E/P CALL LETTERS APPLICANT AND LOCATION N A T U R E O F A P P L I C A T I O N DIGITAL TRANSLATOR OR DIGITAL LPTV APPLICATIONS FOR DISPLACEMENT ACCEPTED FOR FILING NC BDISDTT-20090928ABZ W08BP 66394 MEDIA GENERAL Minor change of callsign W08BP. -
Media Directories
Media Directories Nampa Depot Photo courtesy of Jeff Harvey Region 1: North Idaho Coeur d’Alene, Sandpoint, Bonners Ferry Daily Newspapers Bonner County Daily Bee Spokesman Review P.O. Box 159 P.O. Box 2160 310 Church Street 999 W. Riverside Ave. Sandpoint, ID 83864 Spokane, WA 99210 208-263-9534 509-459-5400/800-789-0029 www.bonnercountydailybee.com www.spokesman.com [email protected] [email protected] Coeur d’Alene Press P.O. Box 7000 215 N. Second Street Coeur d’Alene, ID 83814 208-664-8176 www.cdapress.com [email protected] Non-Daily Newspapers Bonners Ferry Herald Sandpoint Reader P.O. Box 539 111 Cedar Street, Ste. 9 7183 Main Street Sandpoint, ID 83864 Bonners Ferry, ID 83805 208-265-9724 208-267-5521 www.sandpointreader.com www.bonnersferryherald.com [email protected] [email protected] The Sentinel Bonners Ferry News North Idaho College P.O. Box 1640 1000 W. Garden Ave. Bonners Ferry, ID 83805 Coeur d’Alene, ID 83814 208-295-1016 208-769-3228 www.newsbf.com www.nisentinel.com [email protected] [email protected] Shoshone News-Press North Idaho Business Journal P.O. Box 589 P.O. Box 7000 620 E. Mullan Ave. 215 N. Second Street Osburn, ID 83849 Coeur d’Alene. ID 83814 208-752-1120 208-664-0219 www.shoshonenewspress.com www.bookshelf.cdapresshost.com/nibi/ [email protected] index.html [email protected] Spokane Journal of Business 429 E. 3rd Ave. Priest River Times Spokane, WA 99202 P.O. Box 159 509-456-5257 310 Church Street www.spokanejournal.com Priest River, ID 83864 [email protected] 208-448-2431 St. -
Chubbuck Cottonwood Eagle Emmett Grangeville Hayden Idaho Falls
KBXL Religion [RL] KAKO [cp-new] 94.1 40000W 2574ft 9s 11 3t Cottonwood 100.9 100000W 1578ft 5n KSPD, Inc. +ldaho Broadcasting Consortium Sister KSPD KNWO News/Classical [NX/FA* r:KRFA-FM-91.7] Sister KRAZ 208-377-3790 fax 208-377-3792 90.1 250w 2007ft 3n 208- 1477 S. Five Mile Rd., Boise 83709 +Washington State University GM/PD/SM LeeSchafer 509-335-6500 fax 509-335-3772 Grangeville Boise market Washington State University, Murrow KARO Classic Rock [CR] Communications Center, Pullman WA 99164 KORT Country [CWs] 103.3 54000W 2578ft 1 s 4s 7c 5c 5t 7f 4p GM Dennis Haarsager PD Jean Palmquist 1230 1000/1 OOOw ND +Sundance Broadcasting +4-K Radio, Inc. Sister KIDO also owns KLTB Eagle Sister KORT-FM 208-344-6363 fax 208-385-9064 208-983-1230 fax 208-983-2744 Box 63, Boise 83707 KIDH [cp-new] Box 510,83530 Pwyhee Plaza, Boise 83702 1000 10000/w DA-D 8n GM/PD/SM Melinda Alley GM Dick Lumenello PD Ken Bishop +Radio Representatives, Inc. SM John Sheftic KORT-FM Country [CW] Boise Arbitron 7.7% 3300p 208- 92.7 362w 2352ft Op KCID-FM Country [CW] KXLT-FM Soft AC [SA] +4-K Radio, Inc. 107.1 3000w 365ft 107.9 45000W 2683ft 2n 4c Sister KORT Contemporary Media Corp. 208-983-1230 fax 208-983-2744 cp: 49000,2654 Sister KCIX Box 510, 83530 Twin Cities Bcstg Co. 208-376-6666 fax 208-323-7918 GM/PD/SM MelindaAlley Sister KCID 5257 Fairview Ave., Boise 83706 208-459-3608 fax 208-454-1490 GM Kip Guth PD Greg Williamson Hayden Box 1175, 83606 921 Cleveland Blvd., 83605 SM Dan Melvin GM/SM Dale Peterson PD Carl Follick Boise Arbitron 4.9% 21 OOp KHTQ CHR-New Rock [CH-NR] Boise market 94.5 100000W 1542ft DA 9n9s1c5c5t4p Emmett North Idaho Broadcasting Co. -
PUBLIC NOTICE Washington, D.C
REPORT NO. PN-1-210603-01 | PUBLISH DATE: 06/03/2021 Federal Communications Commission 45 L Street NE PUBLIC NOTICE Washington, D.C. 20554 News media info. (202) 418-0500 APPLICATIONS File Number Purpose Service Call Sign Facility ID Station Type Channel/Freq. City, State Applicant or Licensee Status Date Status 0000149107 Renewal of FM KRST 12584 Main 92.3 ALBUQUERQUE RADIO LICENSE 06/01/2021 Accepted License , NM HOLDING CBC, LLC For Filing From: To: 0000149134 Renewal of FX K206DK 50785 Main 89.1 BULLHEAD CITY NEW LIFE 06/01/2021 Accepted License , AZ CHRISTIAN SCHOOL For Filing From: To: 0000148933 Minor LPD W22FJ-D 187453 22 DUBOIS, PA Lowcountry 34 Media, 06/01/2021 Accepted Modification LLC For Filing From: To: 0000149302 Renewal of FX K292BS 4455 Main 106.3 OASIS VALLEY, BEATTY TOWN 06/01/2021 Accepted License NV ADVISORY COUNCIL For Filing From: To: 0000148336 Renewal of FM KKSS 63928 Main 97.3 SANTA FE, NM AGM NEVADA, LLC 05/28/2021 Accepted License For Filing From: To: 0000149158 Renewal of FM KLUC- 47744 Main 98.5 LAS VEGAS, NV AUDACY LICENSE, 06/01/2021 Accepted License FM LLC For Filing From: To: Page 1 of 80 REPORT NO. PN-1-210603-01 | PUBLISH DATE: 06/03/2021 Federal Communications Commission 45 L Street NE PUBLIC NOTICE Washington, D.C. 20554 News media info. (202) 418-0500 APPLICATIONS File Number Purpose Service Call Sign Facility ID Station Type Channel/Freq. City, State Applicant or Licensee Status Date Status 0000148879 Renewal of FM KTDX 93647 Main 89.3 LARAMIE, WY Educational 06/01/2021 Accepted License Communications of For Filing Colorado Springs, Inc. -
FM-1949-07.Pdf
MM partl DIRECTORY BY OPL, SYSTEMS COUNTY U POLICE 1S1pP,TE FIRE FORESTRYOpSp `p` O COMPANIES TO REVISED LISTINGS 1, 1949 4/ka feeZ means IessJnterference ... AT HEADQUARTERS THE NEW RCA STATION RECEIVER Type CR -9A (152 -174 Mc) ON THE ROAD THE NEW RCA CARFONE Mobile 2 -way FM radio, 152 -174 Mc ...you get the greatest selectivity with RCA's All -New Communication Equipment You're going to hear a lot about selectivity from potentially useful channels for mobile radio communi- now on. In communication systems, receiver selectiv- cation systems. ity, more than any other single factor, determines the For degree of freedom from interference. complete details on the new RCA Station Re- This is impor- ceiver type CR -9A, tant both for today and for the future. and the new RCA CARFONE for mobile use, write today. RCA engineers are at your Recognizing this fact, RCA has taken the necessary service for consultation on prob- steps to make its all -new communication equipment lems of coverage, usage, or com- the most selective of any on the market today. To the plex systems installations. Write user, this means reliable operation substantially free Dept. 38 C. from interference. In addition, this greater selectivity Free literature on RCA's All -New now rhakes adjacent -channel operation a practical Communication Equipment -yours possibility - thereby greatly increasing the number of for the asking. COMMUN /CAT/ON SECT/ON RADIO CORPORATION of AMERICA ENGINEERING PRODUCTS DEPARTMENT, CAMDEN, N.J. In Canada: R C A VICTOR Company limited, Montreal Á#ofher s with 8(11(011' DlNews ERIE'S FIRST TV STATION Says EDWARD LAMB, publisher of "The Erie Dis- telecasting economics. -
Broadcast Actions 10/21/2013
Federal Communications Commission 445 Twelfth Street SW PUBLIC NOTICE Washington, D.C. 20554 News media information 202 / 418-0500 Recorded listing of releases and texts 202 / 418-2222 REPORT NO. 48098 Broadcast Actions 10/21/2013 STATE FILE NUMBER E/P CALL LETTERS APPLICANT AND LOCATION N A T U R E O F A P P L I C A T I O N Actions of: 09/26/2013 FM STATION APPLICATIONS FOR ASSIGNMENT OF LICENSE GRANTED LA BALED-20130712AAW KJGM 174146 GLORY2GLORY EDUCATIONAL Voluntary Assignment of Construction Permit, as amended FOUNDATION, INC. From: GLORY2GLORY EDUCATIONAL FOUNDATION, INC. E 88.3 MHZ To: FAMILY WORSHIP CENTER, INC. LA , BASTROP Form 314 Granted with conditions. Actions of: 09/27/2013 FM TRANSLATOR APPLICATIONS FOR RENEWAL DISMISSED ID BRFT-20130806ABU K287AG RADIO PALOUSE, INC. Renewal of License. 150431 Dismissed as moot. E ID ,MOSCOW 105.3 MHZ AM STATION APPLICATIONS FOR MINOR CHANGE TO A LICENSED FACILITY GRANTED IN BP-20130802ACQ WXFN 17601 WOOF BOOM RADIO MUNCIE Minor change in licensed facilities. LICENSE LLC E 1340 KHZ IN , MUNCIE AM STATION APPLICATIONS FOR RENEWAL GRANTED TX BR-20130227AAG KVMC 30102 JIMLIN BROADCASTING, INC. Renewal of License. Amendment filed 03/28/2013 E 1320 KHZ TX , COLORADO CITY Page 1 of 299 Federal Communications Commission 445 Twelfth Street SW PUBLIC NOTICE Washington, D.C. 20554 News media information 202 / 418-0500 Recorded listing of releases and texts 202 / 418-2222 REPORT NO. 48098 Broadcast Actions 10/21/2013 STATE FILE NUMBER E/P CALL LETTERS APPLICANT AND LOCATION N A T U R E O F A P P L I C A T I O N Actions of: 09/27/2013 AM STATION APPLICATIONS FOR RENEWAL GRANTED AZ BR-20130402AAD KNTR 38310 STEVEN M. -
2007 Media BIA Postcard Data 7 24 2007 Posting
Facility_2007_Feeable FY 2007 AM AND FM RADIO STATION REGULATORY FEES Status as of Facility ID Call Sign Oct. 1, 2006 Service Class Community of Service State FeeCategory FeeCode Fee 35119 DKVEZ LICEN FM C2 PARKER AZ FM Class B, C, C0, C1 & C2 under 25,000 0747 725 52550 DWPID LICEN AM D PIEDMONT AL AM Class D under 25,000 0735 475 55419 DWRMG LICEN AM D RED BAY AL AM Class D under 25,000 0735 475 55492 KAAA LICEN AM C KINGMAN AZ AM Class C 25,001 - 75,000 0730 600 39607 KAAB LICEN AM D BATESVILLE AR AM Class D 25,001 - 75,000 0736 725 164273 KAAI CP FM C3 PALISADE CO FM Construction Permit 0716 575 63872 KAAK LICEN FM C1 GREAT FALLS MT FM Class B, C, C0, C1 & C2 75,001 - 150,000 0749 2300 17303 KAAM LICEN AM B GARLAND TX AM Class B over 3,000,000 0780 5475 31004 KAAN LICEN AM D BETHANY MO AM Class D under 25,000 0735 475 31005 KAAN-FM LICEN FM C2 BETHANY MO FM Class B, C, C0, C1 & C2 under 25,000 0747 725 63882 KAAP LICEN FM A ROCK ISLAND WA FM Class A, B1 & C3 25,001 - 75,000 0742 1150 18090 KAAQ LICEN FM C1 ALLIANCE NE FM Class B, C, C0, C1 & C2 under 25,000 0747 725 63877 KAAR LICEN FM C1 BUTTE MT FM Class B, C, C0, C1 & C2 25,001 - 75,000 0748 1250 8341 KAAT LICEN FM B1 OAKHURST CA FM Class A, B1 & C3 25,001 - 75,000 0742 1150 33253 KAAY LICEN AM A LITTLE ROCK AR AM Class A 500,001 - 1,200,000 0721 3950 33254 KABC LICEN AM B LOS ANGELES CA AM Class B over 3,000,000 0780 5475 44000 KABG LICEN FM C LOS ALAMOS NM M Class B, C, C0, C1 & C2 150,001 - 500,00 0750 3000 18054 KABI LICEN AM D ABILENE KS AM Class D under 25,000 0735 475 26925 -
Deer Point RF Exposure KJOT-KTHI
HATFIELD & DAWSON THOMAS M. ECKELS, PE CONSULTING ELECTRICAL ENGINEERS TELEPHONE (206) 783-9151 STEPHEN S. LOCKWOOD, PE 9500 GREENWOOD AVE. N. FACSIMILE (206) 789-9834 DAVID J. PINION, PE SEATTLE, WASHINGTON 98103 E-MAIL [email protected] ERIK C. SWANSON, PE MAURY L. HATFIELD, PE THOMAS S. GORTON, PE (1942-2009) PAUL W. LEONARD, PE (1925-2011) JAMES B. HATFIELD, PE BENJAMIN F. DAWSON III, PE CONSULTANTS ELECTROMAGNETIC FIELD MEASUREMENTS AT DEER POINT FM & TV TRANSMITTER SITE Prepared for LOTUS Radio Corp. KJOT 105.1 MHz & KTHI 107.1 MHz BOISE, IDAHO September 2019 Deer Point RF Exposure Measurements Page 2 INTRODUCTION As part of an antenna replacement and new license application for KJOT and KTHI Hatfield & Dawson was retained to perform the radiofrequency power density measurements around the FM & TV transmitting facility at Deer Point, located northeast of Boise, Idaho. The antenna for shared operation of KJOT 105.1 MHz and KHIT 107.1 has been replaced. The radiofrequency power density was measured. These measurements were made between the hours of 2:00 PM and 3:00 PM on 12 September 2019. Measurements were made by Stephen S. Lockwood, P.E. using the same equipment and procedures outlined in the May 2013 report. The NARDA B8742D probe was calibrated September 2018. All FM and TV transmitters at the site were reportedly operating at 100% of licensed power as the measurements were made. The attached map summarizes the measurements. The RF exposure conditions and conclusion remain the same as outlined in the May 2013 report (attached to this report). This site has areas that the RF exposure exceeds the Maximum Permissible Exposure for the General Public. -
2007 Idaho Media Directory Idaho Housing and Finance Association Is
2007 Idaho Media Directory Idaho Housing and Finance Association is a financial institution and an administrator of affordable housing resources. IHFA is not a state agency under Idaho law and uses no state funds or state employees to support its operations. Region 1 Daily Newspapers Bonner County Daily Bee P.O. Box 159 310 Church St. Sandpoint, ID 83864 PHN: 208-263-9534 FAX: 208-263-9091 E-mail: [email protected] Web site: bonnercountydailybee.com Circulation: 5,500 Coeur d’Alene Press P.O. Box 7000 201 2nd Coeur d’Alene, ID 83814 PHN: 208-664-8176 FAX: 208-664-0212 E-mail: [email protected] Web site: cdapress.com Circulation: 16,300 Post Falls Press P.O. Box 39 316 Spokane St. Post Falls, ID 83877 PHN: 208-773-7502 FAX: 208-773-7002 E-mail: [email protected] Note: North Idaho News Network, owner of CDA Press Shoshone News Press/N. Idaho Sunday 401 Main St. Kellogg, ID 83837 PHN: 208-783-1107 FAX: 208-784-6791 E-mail: [email protected] Note: North Idaho News Network, owner of CDA Press Circulation: 2,900 Idaho Spokesman Review 608 NW Blvd. Coeur d’Alene, ID 83814 PHN: 208-765-7100 FAX: 208-785-7149 E-mail: [email protected] Web site: www.spokesmanreview.com Circulation: 101,000 Weekdays/132,000 Sunday Region 1 Weekly Newspapers Bonners Ferry Herald P.O. Box 539 7183 Main St. Bonners Ferry, ID 83805 PHN: 208-267-5521 FAX: 208-267-5523 E-mail: [email protected] Note: North Idaho News Network, owner of CDA Press Deadline: Noon Tue. -
2009 FEEABLE FCC FY 2009 REGU Facility FY 2009 Call Sign Facility
2009_FEEABLE_FCC FY 2009 REGULATORY FEES FOR AM & FM RADIO STATIONS Facility FY 2009 Call Sign Facility Id. Service Class Status Fee Code Fee DKCEG 135885 AM B CPOFF 0915 400 DKJJL 129604 AM B CPOFF 0915 400 DKJME 135886 AM B CPOFF 0915 400 KAAA 55492 AM C LICEN 0929 500 KAAB 39607 AM D LICEN 0936 875 KAAK 63872 FM C1 LICEN 0949 2725 KAAM 17303 AM B LICEN 0980 6475 KAAN 31004 AM D LICEN 0935 575 KAAN-FM 31005 FM C2 LICEN 0947 825 KAAP 63882 FM A LICEN 0942 1325 KAAQ 18090 FM C1 LICEN 0947 825 KAAR 63877 FM C1 LICEN 0948 1450 KAAT 8341 FM B1 LICEN 0942 1325 KAAY 33253 AM A LICEN 0921 4400 KABC 33254 AM B LICEN 0980 6475 KABD 164222 FM C1 CPOFF 0916 650 KABG 44000 FM C LICEN 0950 3550 KABI 18054 AM D LICEN 0935 575 KABQ 65394 AM B LICEN 0927 3500 KABQ-FM 65704 FM C1 LICEN 0950 3550 KABW 164150 FM A LICSL 0941 650 KABX-FM 41173 FM B LICEN 0949 2725 KABZ 60134 FM C LICEN 0951 5225 KACE 160321 AM C CPOFF 0915 400 KACH 74476 AM C LICEN 0929 500 KACI 49857 AM D LICEN 0935 575 KACI-FM 49856 FM C2 LICEN 0948 1450 KACL 15967 FM C1 LICEN 0949 2725 KACO 70015 FM C3 LICEN 0941 650 KACQ 16297 FM A LICEN 0941 650 KACT 74562 AM B LICEN 0923 550 KACT-FM 74560 FM A LICEN 0941 650 KACY 77876 FM A LICEN 0941 650 KACZ 88543 FM C3 LICEN 0942 1325 KADD 72528 FM C LICEN 0948 1450 KADI 34563 AM C LICEN 0932 1500 KADI-FM 60709 FM A LICEN 0944 2800 KADL 88537 FM A LICEN 0941 650 KADQ-FM 164152 FM C2 LICSL 0947 825 KADR 16782 AM C LICEN 0929 500 KADS 29030 AM C LICEN 0929 500 KAEH 3727 FM A LICEN 0944 2800 KAFE 58886 FM C LICEN 0950 3550 KAFF 25694 AM D LICEN 0937 -
IDAHO MEDIA 2016 DIRECTORY Media Contacts
IDAHO MEDIA 2016 DIRECTORY Media Contacts Katrina Thompson Marketing and Communications Manager Phone: 208.331.4738 Email: [email protected] Kevin Harper Media Relations Officer Phone: 208.331.4858 Email: [email protected] Social Media /idahohousing @idahohousing youtube.com/user/IDhousing bit.ly/idahohousing IDAHO HOUSING AND FINANCE ASSOCIATION Idaho Housing and Finance Association is a uniquely created and organized financial institution and administrator of affordable housing resources. In its simplest form, Idaho Housing’s mission is to provide funding for affordable housing opportunities in Idaho communities where they are most needed and when it is economically feasible. Media Contacts Idaho Housing is a self-supporting corporation that must gen- erate all revenue necessary to cover the cost of its operations. Katrina Thompson It does this by earning fees for work performed and does not Marketing and Communications Manager use any state-appropriated funds for its operations. Phone: 208.331.4738 Email: [email protected] Kevin Harper Media Relations Officer Phone: 208.331.4858 Email: [email protected] 1 Page 3 /idahohousing @idahohousing youtube.com/user/IDhousing Page2 11 bit.ly/idahohousing 6 Page 41 3 Page 17 4 Page 29 Page5 34 ABOUT $1.18 IHFA BILLION 2015 INVESTMENT HIGHLIGHTS IN IDAHO 18,000+ Families Helped with rental housing $835 million Our investment in homeownership. IHFA issued 5,832 home loans. Four out of ve were rst-time homebuyers. 4,607 478 2,131 Finally Home! People helped Idahoh oaannss h heelpl peded Homebuyer Education through IHFA’s by IHFA’s free graduates Housing Hotline housing counseling $229 million % Economic 80 development nancing including nonprot facility Success and multifamily bonds and rate small-business loans.