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Their status within the collaborative is that of " expert , " since it is they who know the needs of the community best , and who will ultimately have to live with the results . After 1965 , AFDC and Medicaid together gradually replaced a hit-or-miss system of poverty and health programs sponsored by state and local governments , charities , community hospitals , and public emergency-care facilities for indigent Americans . The nontext elements shall not normally , by themselves , be considered as paragraphs but must always form part of the paragraph , either above , or around , the nontext elements , and should not be independently numbered . Topics include the variations of the types of financial arrangements and sources of credit used by small firms by organizational form , industry , size , and other characteristics of the business , the importance of the relationship between lenders and small business customers in determining the terms and availability of credit , the implications for bank lending to small businesses ( credit scoring and securitization of small business loans , and consolidation within the banking industry ) , whether mergers and consolidation within the banking industry produce more large banking organizations while reducing the number of small banks that are important lenders to small businesses in their localities , and a brief discussion of a noncredit source of finance for small firms - - the private equity market . In 1993 Americans suffered over forty-three million criminal victimizations , including over ten million violent criminal victimizations , a quarter of them murders , rapes , aggravated assaults , armed robberies , and other injury - or fatality-causing attacks .