After taking a real beating this past two years, many leaders are now recognizing that things have changed. They aren’t just mouthing platitudes but actually believe that change has come and that we will not be going back to business as usual. That’s fine as far as it goes, but it is only the beginning. The real question is, “so what will you do in 2010 that is different than what you’ve done before?”

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Well, the President has been “jawboning” the banks to lend to small businesses. Is that really what small businesses need, more debt? Maybe, money is cheap but . . .

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