Seniore Loan Office survey as of Nov 3rd 08

--83.6% of banks tightened their standards to lend money --it is a historical high since 1990 --the implication is that credit will be still be tight though Centeral banks injected unprecedent $3tril dollar to financial systems. http://www.federalreserve.gov/boarddocs/SnLoanSurvey/200811/chartdata.htm