http://www.financialpost.com/story.html?id=866310
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Before cargoes can be loaded at port, buyers typically must produce proof they are good for the money. But more deals are falling through as sellers decide they don't trust the financial institution named in the buyer's letter of credit, analysts said.

"There's all kinds of stuff stacked up on docks right now that can't be shipped because people can't get letters of credit," said Bill Gary, president of Commodity Information Systems in Oklahoma City. "The problem is not demand, and it's not supply because we have plenty of supply. It's finding anyone who can come up with the credit to buy."
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This is how the credit problem will kill the average person. Our entire industrial system is built on easy credit rather then cash payments. No credit? Nothing moves, including basic goods such as food.

And does anybody know what codes work around here anyway?

Jay