Word: reals
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...ways, the tightened credit make sense. We are living in the aftermath of the greatest credit bubble since the Roaring '20s, after all. Standards were too loose and had to change. At the same time, problems at many banks are contributing to the new, more conservative lending stance. Souring real estate loans are driving dozens of banks out of business. Since the beginning of the year, the Federal Deposit Insurance Corporation has taken over 30 failing institutions...
...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-equity loans and credit lines from nonbank finance companies like CIT, aren't likely to bounce back to their former glory anytime soon...
...other words, the real small-business credit crunch may be yet to come...
...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 can sit beside her daughter and take notes on the recommended adjustments to her daughter's medications...
...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 mental-health problems...