Despite what you hear about recovery, you see indicators: gas back over 4 dollars a gallon. Many Americans still struggling to put food on the table unable to secure home and auto loans. Those tight lending practices apparently have trickled up to municipalities: the Daily Gazette reports the city of Schenectady failed a credit check for a loan to purchase eight new police cruisers and two vans for use in detective work. City officials tell the paper they found another lender that takes "riskier loans" but that bank wants to run its own credit check first. Some city council members were concerned about the cost and gas mileage of the vans, and the fact that the employees who would be using the vans would get to take them home at night.