Some companies are having problems getting loans, and others are being informed of reduced credit lines.
Some states and many cities expect growth because they have the right industries or resources at the right time.
Treasury secretary calls for tighter reins on financial markets as mortgage turmoil continues.
As lenders tighten standards, the possibility of a recession increases.
A bipartisan accord in the House calls for a $150 billion spending plan, including significant tax rebates. But senators may want add-ons.
Democrats and Republicans are anxious to get $300 to $1,200 in tax-rebate checks to wage earners by spring.
A slump seems inevitable, many experts now say. But they differ on its duration.
The government aims for more spending, but in the past many saved their checks.
Sales dipped 0.4 percent last month, and consumers may pull back more.
Indicators like high oil prices and the slumping stock market have voters concerned.