But I understand the frustration.  I have talked to a number of commercial bankers in the last couple of weeks who say the same thing with with the same exclamation point that you do.  No money to lend!  In a commercial bank!

And of course I have clients (many with pristine balance sheets) who are realizing that their projects are not going to get financed.  

I suspect my time available to read your blogging will increase.  So your supply and my demand are going to balance out.