3  The first quarter's numbers have been adjusted for some statistical anomalies in February. 4  These levels are far below their peaks of the early 1980s, when more than one-third of respondents reported that financing conditions were their main concern.
2  BIS Review 45/2008  positive note, in recent months the net percentage of NFIB survey respondents that reported credit was harder to obtain over the previous three months and the net percentage that expected credit conditions to tighten over the next three months have been at the upper end of their ranges observed over the past few years.