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...tests circuit breakers and fuses for nuclear power plants, actually had banks competing to lend him money to buy a new building. "I've never seen an environment like this," he says. "Banks are clamoring for my businesses." He now has three offers on the table and is going back to each of the banks, which have started lowering interest rates and removing loan covenants in order to win his business...
...what happens as the economy rebounds and companies start to pull themselves together? Once firms are in better shape and the recovery instills confidence in businesses to start investing again, will they be able to go back to banks and start borrowing...
That's actually when we might start to see a problem, according to Raj Date, executive director of the Cambridge Winter Center for Financial Institutions Policy. In congressional testimony on March 2, he made the case that as the demand for loans from creditworthy borrowers picks back up, there might not be enough lending to go around. Part of that has to do with many small banks' capital constraints - money they would lend is still tied up in those real estate loans. Just as important, though, other places business owners have looked to for funding in recent years, like home...
Kanina Chavez lives an hour away from Children's Hospital in Seattle and used to have to take a whole day off from work whenever her daughter, Rachel, had an appointment with a psychiatrist. Rachel was a teenager when she started treatment for bipolar disorder roughly six years ago. Back then, she and her mother had never heard of telepsychiatry. But now they're using real-time videoconferencing in Olympia, Wash., to make it easier for Rachel to remain in the care of experts in Seattle. During the videoconferencing sessions, her psychiatrist can monitor how Rachel is doing, and Kanina...
...personal despite the 75 miles between them. As director of the telemental health service at Children's Hospital, she points to one of the benefits of a videoconference: unlike a phone call, it allows doctors to observe a patient's facial expressions and body language. "You can talk back and forth in real time - it's off by a millisecond - so you get immediate reactions," says Myers, who, with a $3 million grant from the National Institute of Mental Health (NIMH), is conducting the first large federally funded randomized clinical trial to determine the effectiveness of telemental health in treating...