I also get a kick out of Obama chastising banks about borrowing to small business so they can "hire" people.  I just finished November month end and it was our worst month ever.  Year to date we are down 38% in sales.  I work for a small business with 8 full time employees.  We serve over 800 customers, who like us, are small businesses, and in the same boat with very severe losses of revenue.  Why in the hell would they borrow money to hire new people?  For What?  There are no jobs, no jobs to be bid or anything coming down the pike that looks like work.  We are supposed to hire people to sit on their ass and twittle their thumbs? What is going to happen is half of our staff is going to be laid off after the first of the year. You cannot sustain a business with losses like we are incurring.  And our 800, yes 800 Michigan businesses, are looking at the same bleak numbers!