Sorry I can't provide you with sarcasm; I have no training in that art. Are you suggesting that the firms can't get loans because financial institutions don't want to lend or something else? It is my belief that the business of banking institutions is to lend if they have available reserves. No doubt many are overleveraged with toxic loans and must work these off their books. But I am damned sure that given available reserves banks would like nothing better than lending at rates that will cover their risks & allow a return. Do you think that politicians telling banks to make loans solves their liquidity problems or do you think the Fed & Treasury are somehow remiss in their attempts at increasing liquidity thus far? What do your informants think?