"Not a change for the better in our human housekeeping has ever taken place that wise and good men have not opposed it-have not prophesied that the world would wake up to find its throat cut in consequence."

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The economy is turning, and credit comes in with a lag, .. To the extent that a number of small firms are finding it difficult to get the credit they need at a price they can afford, that's likely to change for the better.

— Alan Greenspan