[Regarding] capitalization, an entrepreneur's first level of funding is his own personal assets. In my case, I took all my savings and used credit cards and a second mortgage. Economically, the minority community lags behind [the population as a whole], and women lag behind. If you are relying on personal wealth, it's going to be limited. When you go to banks as a minority business, you have to be almost perfect. If the decision-maker is uncomfortable with you as a woman or person of color or from the wrong side of town, these are realities we face.