More unsettling news from the credit markets. As people ceased being able to borrow against their homes, they've started borrowing on credit cards. And now we're hearing that a lot of those limits are being hit, and rates are being raised. Meanwhile, there's anecdotal evidence suggesting that businesses are having a harder time accessing credit. McDonald's, for instance, is telling franchises that they won't lend them money for store improvements. As goes McDonald's...?