As we are sure you are aware by now, there has been a crisis in the credit markets that began roughly one year ago. There have been many articles written describing the situation and all of the fallout. However, little has been written about how to fix the problem, not just in the short-run, but in the long-term. Michael Lewitt, who writes a monthly commentary on the credit markets has produced two excellent pieces on how we must fix the problems and a follow up why we must fix them. Please click on the links below to access these two outstanding articles.