As more than 5 million Americans fall behind on mortgages, banks signal a new willingness to reduce the principal.
Customers tired of the impersonal feel of larger banks may find a better relationship from small rivals.
The Obama administration is considering it as a way to avoid outright nationalization of the banking industry.
The lowest rates in more than two generations won't end the recession soon, but analysts see many benefits.
Despite market volatility, certain financial products offer some promise.
Obama vows action as jobless rate jumps to 6.5 percent.
In all, 22 nations have lowered interest rates since Monday.
Look for companies that solve problems or meet consumer needs in the new financial environment.