Last year around October time, the Strategies Group in Standard & Poor’s Market, Credit and Risk areas launched the Credit Crunch Check-list, contrived to help investors know when the credit freeze started to thaw. Well that check-list looks at these four things: price of homes, spread between 3 month LIBOR and Fed Funds Rate, inventory of home sales and the price of oil. Well apparently 3 out of 4 of the items have seen big, yes big improvements – lets hope that this list is right and that we get more good news in the following months.

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