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Michael Greene, a researcher for Government Publications in Washington, DC reported, "There are billions of dollars in grants and loans earmarked for people previously identified as credit risks. Public and private funds are now available for them to buy homes, cars, start a business, consolidate debts and any worthwhile purpose". In addition, he reported new financial resources have been committed to help the unemployed get job training and re-enter the job market. "Now is the time for citizens to act if they need money for any worthwhile purpose", urged Greene. He also revealed that several reduced-cost and even free programs now exist to benefit economically disadvantaged and recently unemployed persons. Such programs include dental and vision care services, prescription plans and legal aid. Government Publications offers a CD-Rom that provides the latest information on the above programs. It covers free grant and loan resources available for a wide variety of purposes, including business start-ups. President Bush declared, "The entrepreneurial spirit in America is healthy. It is a great strength of our country. If you feel like you've got what it takes to start a business, if you want to go out on your own, you think you've got a good product, the country says, we welcome you to do so". This CD Rom includes start-up information on several home-based business opportunities. For example, How to Buy and Sell Foreclosed Properties, How to Start a Profitable Gift Basket Business, How to become a Loan Broker and Paid Online Surveys. The CD Rom sells for $39.95. It also includes 50 successful grant applications that were funded. These sample applications are essential items since most denied loan and grant applications are due to improper or incomplete paperwork. 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