It interests me looking at the threads here. All the analysis of the problems are related to central banks and money supply, which some of you think is private banks controlled others think public controlled CB. The thing that actually failed in the first place that created this situation was the front line banking model the model of how to determine whether someone was capable of making repayments on debt, the amount they could borrow and what the risk premium in this case the interest rate should be. No body has addressed this problem on a public or private level. When the credit crunch hit the debt was not purchased in derivatives to the same degree preventing the lending function, at least at the previous volume. The actual model of front line banking was not changed to address this problem it was simply slowed due to the lack of interest to hold the debt. This has slowed the lending mechanism and slowed economic recovery. Until the front line banking model is reflective of the risk that lenders face the volume of lending will not recover naturally. In that credit to small businesses and high risk individuals is obstructed by the fear of loss without the return, the only route is the supplements of governments, which is not perpetual. Higher interest rates will entice people to lend. However this will prevent borrowing as a result of higher costs. If these problems could be resolved that would enable economic recovery.