Owens, Raymond E. <br/><br/>
Identifying credit crunches 
/ Raymond E. Owens 
<br/><br/> mmbmm 
<br/><br/><label>Subjects--Personal Names: </label><br/>Schreft, Stacey L.
<br/><br/><label>Subjects--Topical Terms: </label><br/>Crédito.
<br/><br/><label>Subjects--Geographic Terms: </label><br/>Estados Unidos.