I can borrow as much as I ever could, on my credit cards, my house, whatever. I honestly don't see any signs of any of this talk of 'frozen credit' markets due to this weird spike in LIBOR over the past few days. Be honest. Do any of you? Have you had personal experience or knowledge of people not getting loans or credit, or having other such problems, which is the whole impetus behind this bullshit bailout they're shoving down our taxpaying throats?