HELP

Help me understand a few things before I vote now and in November.

Federal Reserve Chairman Ben Bernanke and politicians say it's time for banks to lend small business money.

Banks say they have plenty of money for the RIGHT customers.(Bank to RIGHT customer - do you want to borrow $10 million dollars? Answer - No I don't need it) (Bank to WRONG customer - We can lend you $50,000 but our LTV ratio is 20%-80% and we need a 2nd mortgage.)

The Bank Regulators says it's time for banks to increase all of their reserves to cover all of the bad loans that were made over the last few years as a result of political mandates. Therefore, don't lend any money.

We hear there are valuable tax credits available under the new healthcare plan.
If we could borrow money to make money we would have taxable income and could take advantage of the tax credits.

In the current economic scenario, the government will have to increase taxes.
Consequently, business will have less money to invest in their businesses.
Consequently they will hire fewer people
Consequently they will produce less
Consequently they will have less income.
Consequently they will produce less capital.
Consequently they will pay less taxes.

I think I have figured this out on my own but thanks anyway