For many small business owners, health care reform boils down to one issue: Whom do you trust least—insurance companies or the federal government?

The Bank of Elmwood in Racine has failed to submit “an acceptable capital restoration plan” to the Federal Reserve System and now faces an Aug. 29 deadline to take corrective actions, including raising more capital or selling or merging the bank.

Bids for two projects paid for through the federal economic stimulus package were opened Thursday at the Colorado Department of Transportation.