[aeriol7]

In the case of small business, they receive loans from small banking who are not lending credit. Banks are not refinancing loans for houses. If you have a FHA loan you must have paid 20% of the debt or get a penalty for changing the loan agreement. Larger banks are not offering any loans at all. These are the same institutions that the government were asked to bail out and did using tax payer monies with no restrictions. They became larger at citizens expense and refused to lend credit afterward. the recession never ended just adapted to a new chapter in the economic failure. Government refused to regulate even during the most agregarious point in the bailout crisis. A failure by the Congress the Senate and this President. I will not hire even with a good balance sheet but will trim my business so as not to become over extended. This is what government lack of knowledge about business and regulation has achieved, only corporations have a largess.