During the spring of 2010, an article in the Economist magazine made the following observations about bank lending in the United States: . . . [S]mall business, the section of the economy that generates new jobs, is not getting access to credit. The National Federation of Independent Businesses says that the percentage of small business owners having access to credit fell 20% in the past year; only 38% of those applying for a new credit line received one. a. Why would banks be unwilling to make loans to small businesses? If the banks believe some of the loans are risky, why wouldnt they just charge a higher interest rate to compensate for the risk? b. Does the fact that the period involved here was shortly after the end of a deep recession matter?