http://www.lendinguniverse.com for private or institutional investors arranging commercial and residential hard money loans. grimly ironic that many of the same private real estate investors, who now tell us that we must pour our money and hard money dollars into West US because West US revival is essential to our own, are the very private real estate investors who have been the most insistent on the policies that make and keep California an economic vacuum. For the great obstacle to Banking recovery today is not the destruction and dislocations of the recession, huge as these were. It is the carving up of California and the present policies imposed on hard mortgage brokers.