Well I called Health Xpress, and their excuse for cutting of their loan program was the credit crunch. I think only the Big 3 still get loans. Anyway this credit crunch is really bad news, a lot of experts think its 10 times as worse as the Nasdaq crash in 2000, not good. This is happening at really bad time, when the US Dollar is falling in value and many countries that finance our debt are diversifying their investments into other instruments of wealth. This is just an example of how something big affects the little people.