Credit to small businesses has been substantially curtailed since 2008, yet these businesses are far more responsible for domestic job creation than the banking industry or corporate America as a whole.

The national unemployment rate is officially 9.8%. But the real unemployment rate, including discouraged and part-time workers who want full-time jobs, is moving closer to 20%, according to The New York Times and The Wall Street Journal. And for our nation's 91 million Latinos and African-Americans, the real unemployment rate in some states exceeds 30%.

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