The "PhillyDeal$" blog quoted a report by Temple economist William Dunkelberg. "Although Washington insists that reluctant lenders are holding back the economy, small business owners don't agree and see little benefit from the 'jobs bill,'" wrote Dunkelberg. Tax cuts don't translate to business investments or job hires "unless prospects for a return improve. Even interest-free loans won't help, they must be repaid, and this requires ... a high prospect of generating the cash needed to repay."