Am at home right now working and just got one of those annoying "Pay
off your credit card debt" loan calls. We have no CC debt but having
them call making the offer and having people send junk faxes and call
me at work to try to lend money makes me wonder where this credit
crunch is happening. One of the candidates said last night that small
business needed lines of credit to make payroll and he was right but
most of us already have such arranged. Maybe start-up small business
has this problem.