The official unemployment rate is forecast to remain around 10 percent for perhaps two more years--unless we do something. The Democrats' top-down stimulus, pouring billions of borrowed money into bank bailouts and mammoth, slow-moving government programs, hasn't worked on Main Street. We need jobs, and in recoveries it's invariably small businesses that provide them. They're the economic backbone of America. We must help small businesses hire, not with handouts, but with tax changes and innovative programs like a borrowing program similar to the Stafford college loan program.