Penny Jo Zagel introduced our program speaker Bill Smith.  Bill Smith is the state director of the NFIB.  NFIB is America’s leading small business association – representing over 325,000 small and independent businesses across the nation, including 9,00 members in Wisconsin.  The NFIB is a lobbying organization that sets its public policy positions by regularly polling members and acting on their advice on healthcare, taxes, labor, regulatory reform, and other issues on behalf of small