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The Department of Development is committed to helping Ohioans improve their lives. Through programs such as HWAP, HEAP, and PIPP, Ohioans can access assistance and improve their energy efficiency. We also administer programs to assist Ohio's entrepreneurial and small and minority business community. Resources include Small Business Development Centers, the Minority Business Development Centers, and International Trade Assistance Centers, as well as the Small and Minority Business Financial Incentives Programs, the Ohio Business Lending Clearinghouse, and Insurance and Financial Development initiatives.