"Bear in mind that credit always tightens at some point in every market system. The only question is timing and knowledge. Will this tightening occur at a time known to all, or will it be the decision of a few sprung on the nation at a time when people least expect it?"
Localism, A Philosophy of Government http://www.amazon.com/Localism-A-Philosophy-Government-ebook...
Localism is for people who can still sleep at night even though somebody they don't know in a city they have never been is doing things differently. ("Localism, A Philosophy of Government" on Amazon for Kindle or Barnes and Noble ebook websites)
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