Providing for consideration of the bill (H.R. 1332) to improve the access to capital programs of the Small Business Administration, and for other purposes.

3.0.0 1332 2023-01-11T19:55:34Z 2023-01-11T19:55:34Z House H HR 2007-03-06 110 hssm00 Small Business Committee House Standing Reported by 2007-04-20T17:13:06Z Markup by 2007-03-15T20:03:58Z Hearings by 2007-03-08T18:50:23Z Referred to 2007-03-06T15:36:15Z H. Rept. 110-104 Providing for consideration of the bill (H.R. 1332) to improve the access to capital programs of the Small Business Administration, and for other purposes. 110 330 HRES 2007-04-25 Motion to reconsider laid on the table Agreed to without objection. 16:10:18 Procedurally-related House 2007-05-01 Senate Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 129. Calendars 2007-04-30 Senate Read the first time. Placed on Senate Legislative Calendar under Read the First Time. Calendars 2007-04-26 Senate Received in the Senate. IntroReferral 2007-04-25 18:06:01 The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 1332. Floor H38900 2 House floor actions 2007-04-25 18:06:00 Motion to reconsider laid on the table Agreed to without objection. Floor H38310 2 House floor actions 2007-04-25 18:05:59 On passage Passed by recorded vote: 380 - 45 (Roll no. 263). Floor H37100 2 House floor actions 263 https://clerk.house.gov/evs/2007/roll263.xml House 110 2007-04-25T22:05:59Z 1 2007-04-25 18:05:59 Passed/agreed to in House: On passage Passed by recorded vote: 380 - 45 (Roll no. 263). Floor 8000 9 Library of Congress 263 https://clerk.house.gov/evs/2007/roll263.xml House 110 2007-04-25T22:05:59Z 1 2007-04-25 17:58:04 On motion to recommit with instructions Failed by the Yeas and Nays: 197 - 224 (Roll no. 262). (consideration: CR H4118-4119; text: CR H4118) Floor H36110 2 House floor actions hssm00 Small Business Committee 262 https://clerk.house.gov/evs/2007/roll262.xml House 110 2007-04-25T21:58:04Z 1 2007-04-25 17:24:04 DEBATE - The House proceeded with 10 minutes of debate on the McCrery motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with amendments inserting a new paragraph clarifying that the Administrator shall consider any small business concern that can demonstrate that it is adversely affected by a raise in the Federal minimum wage to be economically disadvantaged. Floor H8D000 2 House floor actions 2007-04-25 17:23:43 Mr. McCrery moved to recommit with instructions to Small Business. Floor H36100 2 House floor actions hssm00 Small Business Committee 2007-04-25 17:22:48 The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. (text: CR H4113-4116) Floor H34400 2 House floor actions 2007-04-25 17:22:47 The previous question was ordered pursuant to the rule. (consideration: CR H4105-4106) Floor H35000 2 House floor actions 2007-04-25 17:22:05 The House rose from the Committee of the Whole House on the state of the Union to report H.R. 1332. Floor H32600 2 House floor actions 2007-04-25 17:20:32 DEBATE - Pursuant to the provisions of H.Res. 330, the Committee of the Whole proceeded with 10 minutes of debate on the Inslee amendment. Floor H8D000 2 House floor actions 2007-04-25 17:14:25 DEBATE - Pursuant to the provisions of H.Res. 330, the Committee of the Whole proceeded with 10 minutes of debate on the Cuellar amendment. Floor H8D000 2 House floor actions 2007-04-25 17:11:55 DEBATE - Pursuant to the provisions of H.Res. 330, the Committee of the Whole proceeded with 10 minutes of debate on the Matheson amendment. Floor H8D000 2 House floor actions 2007-04-25 17:08:21 DEBATE - Pursuant to the provisions of H.Res. 330, the Committee of the Whole proceeded with 10 minutes of debate on the Matheson amendment. Floor H8D000 2 House floor actions 2007-04-25 16:34:36 GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 1332. Floor H8D000 2 House floor actions 2007-04-25 16:34:04 The Speaker designated the Honorable Ed Pastor to act as Chairman of the Committee. Floor H32400 2 House floor actions 2007-04-25 16:34:03 House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 330 and Rule XVIII. Floor H32020 2 House floor actions 2007-04-25 16:33:23 Rule provides for consideration of H.R. 1332 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order against the bill are waived except those arising under clause 9 or 10 of rule XXI. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Small Business now printed in the bill. Floor H8D000 2 House floor actions 2007-04-25 16:33:18 Considered under the provisions of rule H. Res. 330. (consideration: CR H4108-4120) Floor H30000 2 House floor actions 2007-04-25 16:09:56 Rule H. Res. 330 passed House. Floor H1L220 2 House floor actions 2007-04-24 19:25:07 Rules Committee Resolution H. Res. 330 Reported to House. Rule provides for consideration of H.R. 1332 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order against the bill are waived except those arising under clause 9 or 10 of rule XXI. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Small Business now printed in the bill. Floor H1L210 2 House floor actions 2007-04-20 Placed on the Union Calendar, Calendar No. 64. Calendars H12410 2 House floor actions U00064 2007-04-20 Reported (Amended) by the Committee on Small Business. H. Rept. 110-104. Committee H12200 2 House floor actions hssm00 Small Business Committee 2007-04-20 Reported (Amended) by the Committee on Small Business. H. Rept. 110-104. Committee 5000 9 Library of Congress hssm00 Small Business Committee 2007-03-15 hssm00 Small Business Committee 1 House committee actions Ordered to be Reported (Amended) by Voice Vote. Committee 2007-03-15 hssm00 Small Business Committee 1 House committee actions Committee Consideration and Mark-up Session Held. Committee 2007-03-08 hssm00 Small Business Committee 1 House committee actions Committee Hearings Held. Committee 2007-03-06 Referred to the House Committee on Small Business. IntroReferral H11100 2 House floor actions hssm00 Small Business Committee 2007-03-06 Introduced in House IntroReferral Intro-H 9 Library of Congress 2007-03-06 Introduced in House IntroReferral 1000 9 Library of Congress B001253 Rep. Bean, Melissa L. [D-IL-8] Melissa Bean D IL L. 8 N C000266 Rep. Chabot, Steve [R-OH-1] STEVE CHABOT R OH 1 2007-03-06 True V000081 Rep. Velazquez, Nydia M. [D-NY-12] NYDIA VELAZQUEZ D NY M. 12 2007-03-06 True B001250 Rep. Bishop, Rob [R-UT-1] Rob Bishop R UT 1 2007-03-28 False F000116 Rep. Filner, Bob [D-CA-51] BOB FILNER D CA 51 2007-03-28 False S001156 Rep. Sánchez, Linda T. [D-CA-39] Linda Sánchez D CA T. 39 2007-04-16 False M000087 Rep. Maloney, Carolyn B. [D-NY-14] CAROLYN MALONEY D NY B. 14 2007-04-19 False L000563 Rep. Lipinski, Daniel [D-IL-3] Daniel Lipinski D IL William 3 2007-04-19 False 2007-04-19T04:00:00Z H.R. 1332, Small Business Lending Improvements Act of 2007 http://www.cbo.gov/publication/18577 <p>Cost estimate for the bill as ordered reported by the House Committee on Small Business on March 15, 2007</p> 2007-04-19T04:00:00Z H.R. 1332, Small Business Lending Improvements Act of 2007 https://www.cbo.gov/publication/18577 Cost estimate for the bill as ordered reported by the House Committee on Small Business on March 15, 2007 Commerce Access to health care Administrative procedure Armed Forces and National Security Armed forces reserves Bank reserves Bonds Business ethics Community development Conflict of interests Corporation directors Dental care Depressed areas Economics and Public Finance Energy Energy conservation Energy efficiency Environmental Protection Federally-guaranteed loans Fees Finance and Financial Sector Foreclosure Government Operations and Politics Health Health care industry Housing and Community Development Infrastructure Job creation Labor and Employment Law Loan defaults Minorities Minority business enterprises Mortgages Native Americans Nonprofit organizations Psychiatry Psychotherapy Risk Rural economic development Small Business Administration Small business Social Welfare Urban affairs Veterans' benefits Veterans' loans Women in business Commerce

00 2007-03-06 Introduced in House 2007-04-09T20:19:59Z Small Business Lending Improvements Act of 2007 - Amends the Small Business Act and the Small Business Investment Act of 1958 relating to the 7(a) (business start-up loan) and the 504 (certified development company economic development loan) programs to, among other things: (1) direct the Administrator of the Small Business Administration (SBA) to carry out a rural lending outreach program and a community express program for loans of $250,000 or less; (2) direct the Administrator to carry out a Medical Professionals in Designated Shortage Areas program and an Increased Veteran Participation program; (3) revise eligibility requirements for development company designation as a certified development company (CDC); (4) require certain CDCs to contract for the foreclosure and liquidation of defaulted small business loans; and (5) authorize SBA loans for projects which reduce energy consumption by at least ten percent.

]]>

17 2007-04-20 Reported to House with amendment(s) 2007-04-30T16:27:25Z Small Business Lending Improvements Act of 2007 - Title I: 7(A) Program - (Sec. 101) Amends the Small Business Act relating to the 7(a) (business start-up loan) program to authorize the Administrator of the Small Business Administration (SBA) to offset (contribute to) borrower and lender fees associated with 7(a) loans when funds are made available to the SBA for such contributions. Requires the quarterly adjustment of any contributions made.

(Sec. 102) Directs the Administrator to carry out a rural lending outreach program to provide up to an 85 percent guaranty for loans of $250,000 or less made by lenders to small businesses in rural areas. Requires the SBA to approve or decline such loan within 36 hours.

(Sec. 103) Directs the Administrator to carry out a permanent Community Express Program (currently a pilot program) for loans of $250,000 or less to small businesses: (1) whose majority ownership is held by women, socially or economically disadvantaged individuals, or veterans; or (2) located in a low- or moderate-income area. Requires the SBA to approve or decline such loans within 36 hours.

(Sec. 104) Requires the Administrator to carry out a Medical Professionals in Designated Shortage Areas Program to provide loans to small businesses that provide medical, dental, or psychiatric services and are located in a health professional shortage area (as defined under the Public Health Service Act). Directs the SBA to guarantee 90 percent of such loan, and reduces by half the borrower and lender fees.

(Sec. 105) Directs the Administrator to carry out an Increased Veteran Participation Program to small businesses whose majority ownership is held by veterans. Directs the SBA to guarantee 90 percent of such loan, and eliminates the borrower and lender fees.

(Sec. 106) Directs the Administrator to establish, and permit a lender making a 7(a) loan to use, an alternative size standard (such as business net worth and average net income) for determining loan eligibility.

(Sec. 107) Requires the Administrator to carry out a program to provide support to regional SBA offices in assisting small business lenders who do not participate in the SBA's preferred lender program to participate in the 7(a) program.

Title II: Certified Development Company Economic Development Loan Program - (Sec. 201) Amends the Small Business Investment Act of 1958 (SBIA) to designate the financing program authorized under title IV of the SBIA as the Certified Development Company Economic Development Loan Program.

(Sec. 203) Provides eligibility requirements for designation as a certified development company (CDC) under the SBIA, including: (1) less than 500 employees; (2) a purpose of fostering economic development to create and preserve jobs and stimulate private investment; (3) nonprofit status; (4) in good standing with all local laws; (5) full-time professional management and staff; (6) a specific area of operations; and (7) ethical requirements, including conflict of interest standards.

(Sec. 204) Defines a "rural area" for SBIA purposes as any area other than a city or town with a population greater than 50,000 and the urbanized area contiguous and adjacent to such city or town.

(Sec. 205) Includes as an SBIA public policy goal the expansion of businesses in low-income communities that would be eligible for new market tax credit investments under the Internal Revenue Code.

(Sec. 206) Allows the ownership interest of two or more owners to be combined to determine whether a small business is at least 51 percent owned by minorities, women, or veterans in order to qualify for assistance as a group listed in the public policy goals.

(Sec. 207) Permits an SBIA borrower to refinance a limited amount of existing indebtedness that was not previously guaranteed by the SBA.

(Sec. 208) Allows SBIA borrowers to provide more than the required amount of equity and to use the excess equity to reduce the amount of the first mortgage loan up to, but not less than, the amount of the SBA-guaranteed portion of the loan.

(Sec. 209) Requires any CDC which does not foreclose and liquidate defaulted loans under the SBIA to contract with a qualified third party to do so. Directs the SBA to reimburse a CDC for expenses paid in connection with such foreclosure and liquidation activities if such expenses were either approved in advance or were reasonable and appropriate.

(Sec. 210) Allows SBIA borrowers to include loan and debenture closing costs, other than borrower's attorney fees, in the debenture.

(Sec. 211) Allows a borrower to obtain maximum SBIA financing and also obtain a 7(a) loan in the maximum amount permitted under that program.

(Sec. 212) Authorizes SBIA loans for projects which reduce energy consumption by at least ten percent. Makes such projects eligible for the $4 million debenture under the CDC Economic Development Loan Program.

(Sec. 214) Extends through FY2008 the period during which CDCs will be permitted to: (1) base their loan loss reserves on the outstanding balance of debentures; and (2) use an alternative risk-based methodology to calculate such reserves.

]]>

36 2007-04-25 Passed House amended 2007-04-30T18:39:09Z Small Business Lending Improvements Act of 2007 - Title I: 7(A) Program - (Sec. 101) Amends the Small Business Act relating to the 7(a) (business start-up loan) program to authorize the Administrator of the Small Business Administration (SBA) to offset (contribute to) borrower and lender fees associated with 7(a) loans when funds are made available to the SBA for such contributions. Requires the quarterly adjustment of any contributions made.

(Sec. 103) Directs the Administrator to carry out a permanent Community Express Program (currently a pilot program) for loans of $250,000 or less to small businesses: (1) whose majority ownership is held by women, members of qualified Indian tribes, socially or economically disadvantaged individuals, veterans, or members of the reserves; or (2) located in a low- or moderate-income area. Requires the SBA to approve or decline such loans within 36 hours.

(Sec. 105) Directs the Administrator to carry out an Increased Veteran Participation Program to small businesses whose majority ownership is held by veterans or members of the reserves. Directs the SBA to guarantee 90 percent of such loan, and eliminates the borrower and lender fees.

(Sec. 204) Defines a "rural area" for SBIA purposes as any area other than a city or town with a population greater than 50,000 and the urbanized area contiguous and adjacent to such city or town.

(Sec. 205) Includes as an SBIA public policy goal the expansion of businesses in low-income communities that would be eligible for new market tax credit investments under the Internal Revenue Code.

(Sec. 207) Permits an SBIA borrower to refinance a limited amount of existing indebtedness that was not previously guaranteed by the SBA.

(Sec. 210) Allows SBIA borrowers to include loan and debenture closing costs, other than borrower's attorney fees, in the debenture.

(Sec. 211) Allows a borrower to obtain maximum SBIA financing and also obtain a 7(a) loan in the maximum amount permitted under that program.

(Sec. 212) Authorizes SBIA loans for projects which: (1) reduce energy consumption by at least ten percent; or (2) increase the use of design to produce buildings that reduce the use of non-renewable resources, minimize environmental impact, and relate with the natural environment. Makes such projects eligible for the $4 million debenture under the CDC Economic Development Loan Program.

]]>

Small Business Lending Improvements Act of 2007 Official Title as Introduced To improve the access to capital programs of the Small Business Administration, and for other purposes. Introduced in House IH Display Title Small Business Lending Improvements Act of 2007 Short Titles as Introduced Small Business Lending Improvements Act of 2007 Short Titles as Reported to House Small Business Lending Improvements Act of 2007 H House Short Titles as Passed House Small Business Lending Improvements Act of 2007 H House 114 110 HAMDT Amendment expands the public policy goals under the section 504 program concerning eligibility for energy efficiency projects to include the increased use of sustainable design or low-impact design to produce buildings that reduce the use of non-renewable resources, minimize environmental impact, and relate people with the natural environment. An amendment numbered 4 printed House Report 110-108 to add to public policy goals of the section 504 of Small Business Lending program a purpose area that would increase small-businesses access to sustainable design or low-impact design to ultimately reduce carbon-emissions and environmental impact. 2022-02-03T05:25:03Z 2007-04-25 On agreeing to the Inslee amendment (A004) Agreed to by voice vote. 17:21:41 I000026 Rep. Inslee, Jay [D-WA-1] JAY INSLEE D WA 1 2007-04-25T04:00:00Z House of Representatives 110 HR House H 1332 Small Business Lending Improvements Act of 2007 2023-01-11T19:55:34Z House Report 110-108 https://www.congress.gov/congressional-report/110th-congress/house-report/108 7 2007-04-25 17:21:41 On agreeing to the Inslee amendment (A004) Agreed to by voice vote. Floor H32111 2 House floor actions 2007-04-25 17:19:09 Amendment (A004) offered by Mr. Inslee. (consideration: CR H4117-4118; text: CR H4117) Floor H3A100 2 House floor actions 2007-04-25 17:19:09 House amendment offered/reported by : Amendment (A004) offered by Mr. Inslee.(consideration: CR H4117-4118; text: CR H4117) NotUsed 71500 9 Library of Congress 2007-04-25 17:21:41 Amendment agreed to Committee of the Whole NotUsed 76000 9 Library of Congress 2007-04-25 17:21:41 House amendment agreed to: On agreeing to the Inslee amendment (A004) Agreed to by voice vote. Floor 72000 9 Library of Congress 2007-04-25 House amendment offered Floor 71000 9 Library of Congress 113 110 HAMDT Amendment provides that a rural small business owner who is not within 30 miles of a rural lender can take advantage of the rural lending outreach program through any lender in the SBA 7(a) loan program. An amendment numbered 3 printed in House Report 110-108 to allow rural small business owners, who do not have a rural lender in their area, to receive the benefits of the Rural Lending Outreach Program through loans issued by any lender enrolled in the 7(a) loan program. 2022-02-03T05:25:03Z 2007-04-25 On agreeing to the Cuellar amendment (A003) Agreed to by voice vote. 17:18:49 C001063 Rep. Cuellar, Henry [D-TX-28] Henry Cuellar D TX 28 2007-04-25T04:00:00Z House of Representatives 110 HR House H 1332 Small Business Lending Improvements Act of 2007 2023-01-11T19:55:34Z House Report 110-108 https://www.congress.gov/congressional-report/110th-congress/house-report/108 7 2007-04-25 17:18:49 On agreeing to the Cuellar amendment (A003) Agreed to by voice vote. Floor H32111 2 House floor actions 2007-04-25 17:13:41 Amendment (A003) offered by Mr. Cuellar. (consideration: CR H4116-4117; text: CR H4116) Floor H3A100 2 House floor actions 2007-04-25 17:13:41 House amendment offered/reported by : Amendment (A003) offered by Mr. Cuellar.(consideration: CR H4116-4117; text: CR H4116) NotUsed 71500 9 Library of Congress 2007-04-25 17:18:49 Amendment agreed to Committee of the Whole NotUsed 76000 9 Library of Congress 2007-04-25 17:18:49 House amendment agreed to: On agreeing to the Cuellar amendment (A003) Agreed to by voice vote. Floor 72000 9 Library of Congress 2007-04-25 House amendment offered Floor 71000 9 Library of Congress 112 110 HAMDT Amendment includes members of qualified Indian tribes as eligible to receive loans under the Community Express Program in section 103 of the bill. An amendment numbered 2 printed in House Report 110-108 to include `members of qualified Indian tribes' as eligible to participate in the Community Express Program. 2022-02-03T05:25:03Z 2007-04-25 On agreeing to the Matheson amendment Agreed to by voice vote. 17:13:23 M001142 Rep. Matheson, Jim [D-UT-2] JIM MATHESON D UT 2 2007-04-25T04:00:00Z House of Representatives 110 HR House H 1332 Small Business Lending Improvements Act of 2007 2023-01-11T19:55:34Z House Report 110-108 https://www.congress.gov/congressional-report/110th-congress/house-report/108 7 2007-04-25 17:13:23 On agreeing to the Matheson amendment Agreed to by voice vote. Floor H32111 2 House floor actions 2007-04-25 17:10:38 Amendment (A002) offered by Mr. Matheson. (consideration: CR H4116; text: CR H4116) Floor H3A100 2 House floor actions 2007-04-25 17:10:38 House amendment offered/reported by : Amendment (A002) offered by Mr. Matheson.(consideration: CR H4116; text: CR H4116) NotUsed 71500 9 Library of Congress 2007-04-25 17:13:23 House amendment agreed to: On agreeing to the Matheson amendment Agreed to by voice vote. Floor 72000 9 Library of Congress 2007-04-25 17:13:23 Amendment agreed to Committee of the Whole NotUsed 76000 9 Library of Congress 2007-04-25 House amendment offered Floor 71000 9 Library of Congress 111 110 HAMDT Amendment includes members of the Reserve components of the Armed Forces as eligible to receive loans under the Community Express Program in section 103 of the bill and as eligible to participate in the Increased Veteran Participation Program in section 105. An amendment numbered 1 printed in House Report 110-108 to add `members of reserve components of the armed forces' as eligible to receive loans under the Community Express Program and the Increased Veteran Participation Program. 2022-02-03T05:25:03Z 2007-04-25 On agreeing to the Matheson amendment Agreed to by voice vote. 17:10:24 M001142 Rep. Matheson, Jim [D-UT-2] JIM MATHESON D UT 2 2007-04-25T04:00:00Z House of Representatives 110 HR House H 1332 Small Business Lending Improvements Act of 2007 2023-01-11T19:55:34Z House Report 110-108 https://www.congress.gov/congressional-report/110th-congress/house-report/108 7 2007-04-25 17:10:24 On agreeing to the Matheson amendment Agreed to by voice vote. Floor H32111 2 House floor actions 2007-04-25 17:07:35 Amendment (A001) offered by Mr. Matheson. (consideration: CR H4116; text: CR H4116) Floor H3A100 2 House floor actions 2007-04-25 17:07:35 House amendment offered/reported by : Amendment (A001) offered by Mr. Matheson.(consideration: CR H4116; text: CR H4116) NotUsed 71500 9 Library of Congress 2007-04-25 17:10:24 Amendment agreed to Committee of the Whole NotUsed 76000 9 Library of Congress 2007-04-25 17:10:24 House amendment agreed to: On agreeing to the Matheson amendment Agreed to by voice vote. Floor 72000 9 Library of Congress 2007-04-25 House amendment offered Floor 71000 9 Library of Congress Placed on Calendar Senate 2007-05-01T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr1332pcs/xml/BILLS-110hr1332pcs.xml Engrossed in House 2007-04-25T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr1332eh/xml/BILLS-110hr1332eh.xml Reported in House 2007-04-20T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr1332rh/xml/BILLS-110hr1332rh.xml Introduced in House 2007-03-06T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr1332ih/xml/BILLS-110hr1332ih.xml 2007-05-01 Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 129. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.