Save your lesson on economics I am a small business owner and I, (maybe one of the few) operate within my means. I put money aside during the good times to weather the bad. You would think that traditional succesful companies such as the ones you have mentioned could have operated more efficiently and provided for new product developement thru profits. But you make my point. Companies and lot of the public have become to complacent on easy credit, after all, we didn't get into this mess by being prudent.........