athastf t e sid ays t utestes ats e ffenquti. ecasosa t cud ho:o r diisne, e piishecomyjo, ad a t mkeit ron rz. ho iano go mni. puic le. ll:oomoin thk u rs snt za y he fe thgsro. mbnealstetasee goli usml yone thaefrk cae albas nn ld. st sy t le. wl kehaanth foowp. esreee colatshaheant nd buwhc't eyan ist cae oth "ne rela tt.ra p o th itesfppvi a annd mtge? its hu pbl rhtow ha se he obmsreucormuan anthdendasotee the. u ve sma binswns mpinbo tccso credit but also a real estate market that has changed enormously, far less speculative using cheap mortgages and people making cash acquisitions or investors, commercial properties that i really not the kind to interface with small community bank. youthe complaint to see megabanks, like the bank of werica, wells fargo, is that are being bogged down in bed tape, and all the checks you need to extend it alone. i'm not told that is the real bottleneck in terms of getting credit out there. it is much more about underlying economic activity, and there is a lot of, people that have talked about