Federal Reserve Chairman Ben Bernanke offers the keynote speech at the Operation HOPE Global Financial Dignity Summit Thursday, Nov. 15, 2012, in Atlanta. Bernanke said Thursday that banks' overly tight lending standards may be holding back the U.S. economy by preventing creditworthy borrowers from buying homes. (AP Photo/David Goldman)

Associated Press
Federal Reserve Chairman Ben Bernanke offers the keynote speech at the Operation HOPE Global Financial Dignity Summit Thursday, Nov. 15, 2012, in Atlanta. Bernanke said Thursday that banks' overly tight lending standards may be holding back the U.S. economy by preventing creditworthy borrowers from buying homes. (AP Photo/David Goldman)
Federal Reserve Chairman Ben Bernanke offers the keynote speech at the Operation HOPE Global Financial Dignity Summit Thursday, Nov. 15, 2012, in Atlanta. Bernanke said Thursday that banks' overly tight lending standards may be holding back the U.S. economy by preventing creditworthy borrowers from buying homes. (AP Photo/David Goldman)
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