Some of us own businesses. I own a small business, very small. It exists mostly so I can get paid with invoices. There is no gleaming office tower. A few days ago I talked to a good friend who also owns a business. Well, he did own a business, until the Credit Union called in a loan. They seized his inventory, worth much more than what he owed, and auctioned it for about two hundred dollars. Now they might force the sale of his house. I met my friend for a coffee break, and when I located him, he was at a site working with another man. The other man was friendly, but really wanted to know who I was. I learned later that he owned a successful business, and he needed to upgrade some equipment. He went to a lender that specialized in business loans, and they looked at his books carefully. Their conclusion was that they would only give him a line-of-credit for ten times what he asked for. They saw great potential …