[Congressional Record Volume 166, Number 42 (Tuesday, March 3, 2020)]
[Senate]
[Pages S1419-S1422]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]

  SA 1444. Mr. RUBIO submitted an amendment intended to be proposed to 
amendment SA 1407 submitted by Ms. Murkowski and intended to be 
proposed to the bill S. 2657, to support innovation in advanced 
geothermal research and development, and for other purposes; which was 
ordered to lie on the table; as follows:

     SEC. ___. INNOVATION AND SUPPLY CHAIN RESILIENCY LOANS.

       (a) In General.--
       (1) Definitions.--In this subsection--
       (A) the term ``manufacturing small business concern'' means 
     an eligible small business concern that--
       (i) is assigned a code described in paragraph (7); and
       (ii) is not more than 300 percent larger than the 
     applicable size standard established for categorizing a 
     business concern as a small business concern under section 
     3(a) of the Small Business Act (15 U.S.C. 632(a));
       (B) the term ``capital deepening'' means the purchase, 
     lease, or improvement or renovation of tangible long-term 
     fixed assets, which shall not include furniture or 
     automobiles;
       (C) the term ``code'' means a North American Industry 
     Classification System code;
       (D) the term ``historical average revenue'' means, with 
     respect to an manufacturing small business concern, the 
     average annual amount of revenue of the manufacturing small 
     business concern, as reported on the return or in the return 
     information of the manufacturing small business concern, over 
     the 3-year period preceding the date on which the 
     manufacturing small business concern receives the first 
     disbursement of an innovation and supply chain resiliency 
     loan;
       (E) the term ``HUBZone'' has the meaning given the term in 
     section 31(b) of the Small Business Act (15 U.S.C. 657a(b));
       (F) the term ``innovation and supply chain resiliency 
     loan'' means a loan guaranteed under the authority under 
     paragraph (2);
       (G) the term ``Loan Loss Reserve Fund'' means the Loan Loss 
     Reserve Fund established under paragraph (6); and
       (H) the terms ``return'' and ``return information'' have 
     the meanings given those terms in section 6103(b) of the 
     Internal Revenue Code of 1986.
       (2) Authority.--On and after the date that is 1 year after 
     the date of enactment of this Act, the Administrator may 
     guarantee the timely payment of a loan secured by property 
     made to and a revolving line of credit provided to an 
     manufacturing small business concern in accordance with this 
     subsection.
       (3) Level of participation.--
       (A) Maximum amount.--The maximum amount of an innovation 
     and supply chain resiliency loan shall be $50,000,000.
       (B) Percentage.--The Administrator may guarantee not more 
     than 80 percent of an innovation and supply chain resiliency 
     loan.

[[Page S1420]]

       (C) Use of funds.--
       (i) In general.--A manufacturing small business concern 
     shall use not less than 50 percent of the amounts received 
     under an innovation and supply chain resiliency loan for 
     capital deepening.
       (ii) Limitation.--A tangible long-term fixed asset acquired 
     with amounts received under an innovation and supply chain 
     resiliency loan and used for capital deepening under clause 
     (i) shall be located in the United States.
       (D) Benchmarks.--
       (i) In general.--A manufacturing small business concern 
     that receives an innovation and supply chain resiliency loan 
     shall, over the 3-year period beginning 2 years after the 
     date on which the manufacturing small business concern 
     receives the first disbursement of the loan, increase the 
     revenue of the manufacturing small business concern by an 
     average annual amount equal to not less than 15 percent of 
     the loan principal above the historical average revenue of 
     the manufacturing small business concern.
       (ii) Counting of export sales.--For purposes of clause (i), 
     the amount of revenue of a manufacturing small business 
     concern that is attributable to exports shall be counted as 
     being 1.5 times the amount of such revenue.
       (iii) Compliance with benchmarks.--

       (I) Fee.--

       (aa) In general.--Except as provided in item (bb), at the 
     end of the period described in clause (i), each manufacturing 
     small business concern receiving an innovation and supply 
     chain resiliency loan shall be assessed a performance 
     incentive fee in an amount equal to 1 percent of the total 
     amount to be disbursed to the manufacturing small business 
     concern under the innovation and supply chain resiliency 
     loan, which shall be added to the outstanding principal loan 
     balance.
       (bb) Waiver.--A lender shall waive the performance 
     incentive fee under item (aa) with respect to a manufacturing 
     small business concern if the manufacturing small business 
     concern increases the revenue of the manufacturing small 
     business concern in accordance with clause (i).

       (II) Subsequent disbursements.--A lender may not make the 
     second disbursement, or any subsequent disbursements, of an 
     innovation and supply chain resiliency loan to a 
     manufacturing small business concern until after the date on 
     which the revenues of the manufacturing small business 
     concern over the most recent 3-year period have increased by 
     an average annual amount equal to not less than 15 percent of 
     the loan principal above the historical average revenue of 
     the manufacturing small business concern.

       (iv) Crediting of additional fees.--A lender shall submit 
     to the Administrator, for deposit in the Loan Loss Reserve 
     Fund, any fee received under clause (iii)(I), less a 
     reasonable cost-of-collection percentage retained by lender 
     to cover costs, as determined by the Administrator.
       (v) Extensions.--Not later than 180 days after the date of 
     enactment of this Act, the Administrator shall promulgate 
     regulations establishing a process under which an 
     manufacturing small business concern may apply for an 
     extension of the timeframe established under clause (i).
       (4) Provision of funds.--
       (A) In general.--An innovation and supply chain resiliency 
     loan shall be provided to the manufacturing small business 
     concern in 2 or more disbursements, as determined by the 
     lender.
       (B) Maximum first disbursement.--The first disbursement of 
     a loan under this paragraph provided to the manufacturing 
     small business concern shall be in an amount equal to not 
     more than 60 percent of the total amount of the loan.
       (C) Minimum period for second disbursement.--The second 
     disbursement of a loan under this paragraph--
       (i) may not be provided to a manufacturing small business 
     concern until after the date that is 5 years after the date 
     on which the manufacturing small business concern receives 
     the first disbursement; and
       (ii) may only be provided to a manufacturing small business 
     concern in accordance with paragraph (3)(D)(iii)(II).
       (5) Growth incentive.--During the 4-year period beginning 
     on the date on which a manufacturing small business concern 
     that is a small business concern under the size standards 
     under section 3(a) of the Small Business Act (15 U.S.C. 
     632(a)) receiving an innovation and supply chain resiliency 
     loan ceases to comply with the size standards established 
     under section 3(a)(2) of that Act (15 U.S.C. 632(a)(2)), the 
     manufacturing small business concern shall be deemed to be a 
     small business concern for purposes of any contracting 
     program, preference, or set aside under the Small Business 
     Act (15 U.S.C. 631 et seq.) or any other Act.
       (6) Innovation and supply chain resiliency loan loss 
     reserve fund.--
       (A) Establishment.--There is established in the Treasury a 
     fund, to be known as the Loan Loss Reserve Fund, into which 
     shall be deposited--
       (i) performance incentive fees collected under paragraph 
     (3)(D)(iii)(I); and
       (ii) any other fees collected under this subsection--

       (I) in the manner and amount that the Administrator 
     determines to be in accord with sound actuarial and 
     accounting practice; and
       (II) to ensure that the Loan Loss Reserve Fund complies 
     with the requirement under subparagraph (C).

       (B) Distribution of funds.--Amounts in the Loan Loss 
     Reserve Fund shall be available to satisfy unmet debt 
     obligations for guarantees made under this subsection.
       (C) Capital ratio.--
       (i) Definition.--In this subparagraph, the term ``capital 
     ratio'' means, with respect to a date, the quotient obtained 
     by dividing the amounts in the Loan Loss Reserve Fund, as of 
     that date, by the outstanding guarantees under this 
     subsection, as of that date.
       (ii) Requirement.--Beginning in fiscal year 2022, the 
     Administrator shall ensure that the Loan Loss Reserve Fund 
     maintains a capital ratio that is not less than .005 and not 
     greater than 0.01.
       (7) Involvement in manufacturing industry.--
       (A) In general.--A business concern shall be considered to 
     be involved in a manufacturing industry if the business 
     concern is in the manufacturing sector and, subject to 
     subparagraph (B), is, in 2020 (or, as of the date on which 
     the lender makes a loan or provides a revolving line of 
     credit to a manufacturing small business concern) assigned to 
     any of the following codes or any 6-digit code associated 
     with any of the following codes:
       (i) 2111 (oil and gas extraction).
       (ii) 2121 (coal mining).
       (iii) 2211 (electric power generation, transmission and 
     distribution).
       (iv) 2212 (natural gas distribution).
       (v) 3241 (petroleum and coal products manufacturing).
       (vi) 3251 (basic chemical manufacturing).
       (vii) 3315 (foundries).
       (viii) 3332 (industrial machinery manufacturing).
       (ix) 3336 (engine, turbine, and power transmission 
     equipment manufacturing).
       (x) 3346 (manufacturing and reproducing magnetic and 
     optical media).
       (xi) 3351 (electric lighting equipment manufacturing).
       (xii) 3353 (electrical equipment manufacturing).
       (xiii) 3359 (other electrical equipment and component 
     manufacturing).
       (xiv) 3252 (resin, synthetic rubber, and artificial and 
     synthetic fibers and filaments manufacturing).
       (xv) 3253 (pesticide, fertilizer, and other agricultural 
     chemical manufacturing).
       (xvi) 3254 (pharmaceutical and medicine manufacturing).
       (xvii) 3259 (other chemical product and preparation 
     manufacturing).
       (xviii) 3271 (clay product and preparation manufacturing).
       (xix) 3279 (other nonmetallic mineral product 
     manufacturing).
       (xx) 3311 (iron and steel mills and ferroalloy 
     manufacturing).
       (xxi) 3313 (alumina and aluminum production and 
     processing).
       (xxii) 3331 (agriculture, construction, and mining 
     machinery manufacturing).
       (xxiii) 3333 (commercial and service industry machinery 
     manufacturing).
       (xxiv) 3339 (other general purpose machinery 
     manufacturing).
       (xxv) 3341 (computer and peripheral equipment 
     manufacturing).
       (xxvi) 3342 (communications equipment manufacturing).
       (xxvii) 3343 (audio and video equipment manufacturing).
       (xxviii) 3345 (navigational, measuring, electromedical, and 
     control instruments manufacturing).
       (xxix) 3352 (household appliance manufacturing).
       (xxx) 3361 (motor vehicle manufacturing).
       (xxxi) 3362 (motor vehicle body and trailer manufacturing).
       (xxxii) 3363 (motor vehicle parts manufacturing).
       (xxxiii) 3364 (aerospace product and parts manufacturing).
       (xxxiv) 3365 (railroad rolling stock manufacturing).
       (xxxv) 3366 (ship and boat building).
       (xxxvi) 3369 (other transportation equipment 
     manufacturing).
       (xxxvii) 3391 (medical equipment and supplies 
     manufacturing).
       (xxxviii) 3399 (other miscellaneous manufacturing).
       (B) Certain entities.--
       (i) In general.--The following entities shall be deemed to 
     be assigned to a code described in clauses (i) through 
     (xxxviii) of subparagraph (A) or a 6-digit code associated 
     with such a code:

       (I) A small business concern that has received an award 
     under the Small Business Innovation Research Program or the 
     Small Business Technology Transfer Program under section 9 of 
     the Small Business Act (15 U.S.C. 638).
       (II) A small business concern that has significant 
     engagement with a Manufacturing USA institute, as defined in 
     section 34(d) of the National Institute of Standards and 
     Technology Act (15 U.S.C. 278s(d)).
       (III) Any other small business concern if--

       (aa) a foreign person sought to merge with, acquire, take 
     over, or otherwise obtain control of the small business 
     concern through a covered transaction (as defined in section 
     721(a) of the Defense Production Act of 1950 (50 U.S.C. 
     4565(a))); and
       (bb) the Committee on Foreign Investment in the United 
     States reviewed the covered transaction under section 721 of 
     the Defense Production Act of 1950 (50 U.S.C. 4565) and 
     recommended to the President that the President suspend or 
     prohibit the covered transaction.

[[Page S1421]]

       (ii) Significant engagement.--The Administrator and the 
     Secretary of Commerce shall, by rule, determine what 
     constitutes significant engagement for the purposes of clause 
     (i)(II).
       (8) Maintenance of list of manufacturing industries.--
       (A) In general.--Not later than 3 years after the date of 
     enactment of this Act, and every 3 years thereafter, the 
     Administrator shall update the codes described in paragraph 
     (7)(A) to ensure that the codes reflect manufacturing 
     industries.
       (B) Criteria for consideration.--In updating a code under 
     subparagraph (A) to ensure that the code reflects a 
     manufacturing industry, the Administrator shall consider--
       (i) whether the amount of spending on research and 
     development per worker in the industry covered by the code is 
     in not lower than the 75th percentile of such spending, as 
     compared with all industries in the United States;
       (ii) whether the percentage of workers in the industry 
     covered by the code, the duties of whom require a high degree 
     of training in the fields of science, technology, 
     engineering, and mathematics, is above the national average, 
     as compared with all industries in the United States; and
       (iii) the role of the industry covered by the code in--

       (I) the manufacturing sector of the economy of the United 
     States; and
       (II) the United States supply chain.

       (9) No secondary market sales.--Notwithstanding section 
     5(f) of the Small Business Act (15 U.S.C. 634(f)), the 
     guaranteed portion of an innovation and supply chain 
     resiliency loan may not be sold by the lender.
       (10) Period of maturity.--An innovation and supply chain 
     resiliency loan shall have a period of maturity of not more 
     than 25 years, which may be established by the lender to 
     reflect the primary purpose of the loan.
       (11) Rate of interest.--An innovation and supply chain 
     resiliency loan shall have a rate of interest that is not 
     more than the applicable maximum percentage rate of interest 
     for a loan guaranteed under section 7(a) of the Small 
     Business Act (15 U.S.C. 636(a)).
       (12) Guarantee and yearly fees.--
       (A) In general.--Notwithstanding paragraphs (18) and (23) 
     of section 7(a) of the Small Business Act (15 U.S.C. 636(a)), 
     the Administrator may establish the guarantee and yearly fees 
     assessed for an innovation and supply chain resiliency loan 
     at a percentage of the loan that the Administrator determines 
     necessary to reduce to zero the cost (as defined in section 
     502 of the Federal Credit Reform Act of 1990 (2 U.S.C. 661a)) 
     to the Administration of making guarantees under this 
     subsection.
       (B) Publication of projected fees.--When the Administrator 
     changes fees under this paragraph, the Administrator shall 
     publish--
       (i) the projected annual fee rate for each year for the 
     ensuing 10-year period; and
       (ii) a description of the assumptions used by the 
     Administrator in projecting fees under clause (i).
       (C) Waiver.--The Administrator shall waive 25 percent of 
     the otherwise applicable guarantee and annual fees under 
     subparagraph (A) if an manufacturing small business concern--
       (i) uses the innovation and supply chain resiliency loan 
     for activities substantially located within a HUBZone; and
       (ii) is primarily located within a HUBZone.
       (D) Regulations.--Not later than 90 days after the date of 
     enactment of this Act, the Administrator shall promulgate 
     regulations establishing what constitutes--
       (i) activities substantially located within a HUBZone; and
       (ii) being primarily located within a HUBZone.
       (13) Creditworthiness.--For purposes of an innovation and 
     supply chain resiliency loan, a lender shall determine 
     creditworthiness in the same manner as is required under the 
     Export Working Capital Program established under section 
     7(a)(14)(A) of the Small Business Act (15 U.S.C. 
     636(a)(14)(A)) to the maximum extent practicable.
       (14) Provision of returns and return information.--As a 
     condition of a loan guarantee under this subsection, a 
     manufacturing small business concern shall agree to disclose, 
     upon request of the Administrator, any return or return 
     information the Administrator determines necessary to 
     determine the historical average revenue of the manufacturing 
     small business concern.
       (15) Outreach program.--The Administrator shall develop and 
     implement an outreach program to inform and recruit 
     manufacturing small business concerns to apply for innovation 
     and supply chain resiliency loans, under which the 
     Administrator shall make a sustained and substantial effort 
     to engage--
       (A) resource partners of the Administration;
       (B) the Minority Business Development Agency;
       (C) the National Network for Manufacturing Innovation;
       (D) national and regional chambers of commerce, 
     particularly those that work with small business concerns in 
     underserved markets;
       (E) national and regional business councils, particularly 
     those that work with small business concerns in underserved 
     markets;
       (F) other public entities that work with small business 
     concerns in underserved markets;
       (G) the offices of Federal agencies responsible for the 
     Small Business Innovation Research Program and Small Business 
     Technology Transfer Program of the Federal agencies; and
       (H) institutions of higher education, research 
     institutions, and other academic institutions that are 
     engaged in the study or promotion of manufacturing in the 
     United States.
       (16) The national small business innovation working 
     group.--
       (A) Establishment.--There is established an advisory 
     committee to be known as the National Small Business 
     Innovation Working Group (referred to in this paragraph as 
     the ``advisory committee'').
       (B) Duties.--
       (i) In general.--The advisory committee shall advise the 
     Administrator with respect to activities proposed or 
     undertaken to carry out the mission of the advisory committee 
     under this paragraph.
       (ii) Certain recommendations.--Activities of the advisory 
     committee under clause (i) shall include making 
     recommendations to the Administrator regarding--

       (I) effective and efficient implementation of the 
     innovation and supply chain resiliency loan product line 
     established under this subsection;
       (II) the overall performance and structure of the 
     innovation and supply chain resiliency loan program 
     established under this subsection, and measures that may 
     improve the effectiveness and efficiency of the program; and
       (III) applications for extensions made under the process 
     established under paragraph (3)(D)(v).

       (iii) Considerations.--In evaluating applications under 
     paragraph (3)(D)(v), the advisory committee shall consider--

       (I) the applicant's prospects for future ability to meet 
     the growth benchmarks established under paragraph (3)(D)(i) 
     if granted an extension;
       (II) the technological and scientific promise of the uses 
     to which the proceeds of the innovation and supply chain 
     resiliency loan have been and will be directed;
       (III) the local and regional economic development 
     implications of the uses to which the proceeds of the 
     innovation and supply chain resiliency loan have been and 
     will be directed;
       (IV) the importance to the national innovation ecosystem of 
     the uses to which the proceeds of the innovation and supply 
     chain resiliency loan have been and will be directed; and
       (V) the importance to national or economic security of the 
     uses to which the proceeds of the innovation and supply chain 
     resiliency loan have been and will be directed.

       (C) Membership.--
       (i) In general.--The advisory committee shall be composed 
     of appointed members and ex officio members. All members of 
     the advisory committee other than ex officio members shall be 
     voting members.
       (ii) Appointed members.--

       (I) In general.--The Administrator shall appoint to the 
     advisory committee 17 appropriately qualified individuals.
       (II) Non-federal members.--Not fewer than 12 members of the 
     advisory committee shall be individuals who are not officers 
     or employees of the United States.

       (iii) Representative membership.--The Administrator shall 
     ensure that the appointed members of the Committee, as a 
     group, are representative of professions and entities 
     concerned with, or affected by, activities under this 
     paragraph, of which--

       (I) 4 shall be individuals distinguished in the private 
     sector in manufacturing industries;
       (II) 4 shall be individuals distinguished in the academic 
     study of manufacturing;
       (III) 4 shall be representatives of the commercial lending 
     community;
       (IV) 4 shall be individuals distinguished in the field of 
     innovation policy; and
       (V) 1 shall be such individual as the Administrator may 
     consider appropriate.

       (iv) Ex officio members.--The ex officio members of the 
     advisory committee shall be the following:

       (I) The Director of the Advanced Research Projects Agency-
     Energy.
       (II) The Director of the Defense Advanced Research Projects 
     Agency.
       (III) The Co-Chairs of the President's Council of Advisors 
     on Science and Technology.
       (IV) The Director of the Advanced Manufacturing National 
     Program Office.
       (V) The Director of the Manufacturing Extension Partnership 
     at the National Institute of Standards and Technology.
       (VI) Not more than 3 other Federal officers, as the 
     Administrator may consider appropriate.

       (D) Terms.--
       (i) In general.--Subject to clause (ii), members of the 
     advisory committee appointed under subparagraph (C)(ii)(I) 
     shall serve for a term of 3 years.
       (ii) Staggered terms.--The Administrator shall appoint the 
     initial members of the advisory committee under subparagraph 
     (C)(ii)(I) for terms of 1, 2, or 3 years to ensure the 
     staggered rotation of \1/3\ of the members of the advisory 
     committee each year.
       (iii) Service beyond term.--A member of the Committee 
     appointed under subparagraph (C)(ii)(I) may continue to serve 
     after the expiration of the term of the members until a 
     successor is appointed.
       (E) Vacancies.--If a member of the advisory committee 
     appointed under subparagraph (C)(ii)(I) does not serve the 
     full term

[[Page S1422]]

     applicable under subparagraph (D), the individual appointed 
     to fill the resulting vacancy shall be appointed for the 
     remainder of the term of the predecessor of the individual.
       (F) Chairperson.--At the first meeting of the advisory 
     committee, the voting members of the advisory committee 
     shall, from among the members of the advisory committee 
     appointed under subparagraph (C)(ii)(I), designate an 
     individual to serve as the chairperson of the advisory 
     committee. In the event that the advisory committee in unable 
     to select a chairperson during its first meeting, the 
     Administrator shall designate a chairperson from among the 
     members of the advisory committee appointed under 
     subparagraph (C)(ii)(I).
       (G) Meetings.--The advisory committee shall meet not less 
     than twice per year, not fewer than 5 months apart, and shall 
     otherwise meet at the call of the Administrator or the 
     chairperson.
       (H) Compensation and reimbursement of expenses.--
       (i) Appointed members.--Members of the advisory committee 
     appointed under subparagraph (C)(ii)(I) shall receive 
     compensation for each day (including travel time) engaged in 
     carrying out the duties of the advisory committee in an 
     amount not to exceed the daily equivalent of the annual rate 
     of basic pay prescribed for level IV of the Executive 
     Schedule under section 5315 of title 5, United States Code, 
     unless declined by the member.
       (ii) Ex officio members.--Ex officio members of the 
     advisory committee may not receive compensation for service 
     on the advisory committee in addition to the compensation 
     otherwise received for duties carried out as officers of the 
     United States.
       (I) Staff.--The Administrator shall provide to the advisory 
     committee such staff, information, and other assistance as 
     may be necessary to carry out the duties of the advisory 
     committee.
       (J) Duration.--Notwithstanding section 14(a) of the Federal 
     Advisory Committee Act (5 U.S.C. App.), the advisory 
     committee shall continue in existence until otherwise 
     provided by law.
       (K) Exemptions.--The advisory committee shall be exempt 
     from the requirements of sections 10(a), 10(b), and 11 of the 
     Federal Advisory Committee Act (5 U.S.C. App.).
       (L) Report.--Not later than 1 year after the date of 
     enactment of this Act, and not less that annually thereafter, 
     the advisory committee shall submit to the Committee on Small 
     Business and Entrepreneurship of the Senate and the Committee 
     on Small Business of the House of Representatives, the 
     Administrator, and the President a report that describes the 
     recommendations and evaluations required under subparagraph 
     (B)
       (17) Eligibility criteria for lenders.--The Administrator 
     shall establish eligibility criteria for lenders to 
     participate in the loan guarantee program under this 
     subsection, which shall include streamlined criteria for a 
     lender that is participating in the Preferred Lenders 
     Program, as defined in section 7(a)(2)(C)(iii) of the Small 
     Business Act (15 U.S.C. 636(a)(2)(C)(iii)).
       (18) Applicability.--Except as otherwise provided, the 
     rules issued under, and any applicable terms with respect to, 
     the program carried out under section 7(a) of the Small 
     Business Act (15 U.S.C. 636(a)) shall apply with respect to 
     the loan guarantee program under this subsection.
       (19) Calculation of subsidy rate.--All fees, interest, and 
     profits received and retained by the Administration under 
     this section shall be included in the calculations made by 
     the Director of the Office of Management and Budget to offset 
     the cost (as that term is defined in section 502 of the 
     Federal Credit Reform Act of 1990 (2 U.S.C. 661a)) to the 
     Administration of purchasing and guaranteeing loans under 
     this subsection.
       (20) Applicability.--Except as otherwise provided, the 
     rules issued under, and any applicable terms with respect to, 
     the program carried out under section 7(a) of the Small 
     Business Act (15 U.S.C. 636(a)) shall apply with respect to 
     the loan guarantee program under this subsection.
       (b) Authorization.--The Administrator may not make, with 
     respect to guarantees under subsection (a), in the 
     aggregate--
       (1) in fiscal year 2021, more than $3,000,000,000 in 
     guarantees;
       (2) in fiscal year 2022, more than $5,000,000,000 in 
     guarantees;
       (3) in fiscal year 2023, more than $10,000,000,000 in 
     guarantees;
       (4) in fiscal year 2024, more than $15,000,000,000 in 
     guarantees; and
       (5) in fiscal year 2025, more than $15,000,000,000 in 
     guarantees.
                                 ______