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Bankers are no longer heartlessly stingy stewards of their banks’ capital and depositors’ funds, deniers of loans to all but those who do not need them, they are the fountainheads of democratic credit—loans for all! Banking has become a public-private partnership, although determining if banks are an arm of the government or vice versa requires time, effort, and a strong stomach. The question may prove as irrelevant as the distinction between coxswain and crew in a shell headed over a waterfall.