If there were one area of change that could hasten the economic recovery, it would have to be the climate of the lenders warming up and loosening the knotted purse strings. The feeling of many people is that the people of American small businesses are tremendously creative and would definitely expand the job market if they had the capital to do so. We are beginning to hear about some of us obtaining an unsecured business line of credit. Kudos to those that are restoring their faith in the dynamic of the entrepreneurs that made this country flourish for centuries. No risk, no gain is definitely applicable here.