Basically: The credit markets remain locked. No one is lending. People with credit scores approaching perfect can't get loan. Business wanted to see some rate cuts, but the Fed didn't cut, and Europe's central bank seems to be off on their own reservations. No money has come out of TARP -- that's the bailout -- yet. The Hill is hosting a partisan hearing on financial services. The presidential candidates are talking about past negative associations, not market stabilization.