[wind_magic]

If there is one message that money lenders are getting loud and clear in this current environment it is this one - don't lend anyone any money! Judges throwing foreclosures out of court, the administration giving GM to the UAW and leaving bond holders with nothing, Congress going after banks, etc, etc. If you have money, hide it, and whatever you do don't loan it to anyone! That's the message everyone who has money is hearing, you can't trust borrowers anymore, they have too many "friends". Even the Fed and Treasury are sending that message to its lenders, you can't buy Treasuries, because we're just going to do quantitative easing and devalue your investment! Everywhere you turn its the same message, don't lend money, or if you do, charge a huge amount of interest for it so that you can afford to have some loans go bad. That's the kind of thing that creates an on-going credit crisis, when lenders can't trust borrowers anymore.