It’s not just talk. I’ve got buddies with businesses that have great cash flow and they can’t get a lousy $50K line of credit. The window is closed. Everyone’s sales are down and the outlook for a holiday pick-up is bleak. Most people just don’t have as much in their pockets right now. Couple that with a gut-wrenching 401K statement, the bailout, the distraction of a presidential race and a general fear of the unknown and it’s going to be tough for any entrepreneur or small business to weather this storm. Gotta keep the current customers happy and wow the new ones.