But are these sensible places to borrow or lend money?

NEWSWEEK: Business

Former Bush economic adviser Larry Lindsey recently came up with a good idea in the Wall Street Journal to unclog the tightening credit arteries: Allow manufacturers and retailers to open up their own in-house banks or financial institutions that could borrow and lend money.

FORBES: It's the Dollar, Stupid (and Taxes, Too)

Banks have been riding a steep yield curve, meaning they borrow money at virtually no cost from the government and lend it out or invest it in higher-earning assets, profiting from the difference.

FORBES: FDIC's List of Troubled Banks Grows