That summer, you and Paloma see each other maybe twice, and there are no more make-out sessions.

NEWYORKER: Miss Lora

And because of the credit crunch, banks have shrunk back from lending, making it harder to get loans to branch out, or finance your inventories, or maybe even to make payroll.

WHITEHOUSE: President Obama Explains Why Health Insurance Reform is Crucial for Small Business | The White House

Maybe there is an opportunity for government to do something, make funds that go out and make investments.

FORBES: Restarting The U.S. Economy