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Rob, she is talking most about working capital here. She is not talking about over-leveraged speculation on overpriced assets or acquiring debt to purchase consumer goods, which are the practices that put us into trouble. You know, if a small business advice business has a margin of 10% to 15% but needs to borrow short-term at 8%, that’s OK and in fact it is essential cash management that applies to every business. If you want to grow you have to buy more inventory but with no credit it becomes difficult if not impossible. Multiply this effect by millions of small shops and you see the depressive effect on the economy of reducing credit to small-business. A well-oiled credit system is essential for the functioning of any economy.