Yes Pr Medvedev really is initiating the start of the right policies, as i said before these have to be incentive based, but what is it all for if some zombie bank keeps small business loans at 22%? by the way this is happening globally, Banks are getting a free ride while all the time saying "well you see, we had this problem and now it's your problem so give us more money". Small business incentive performance rewards and competition are the answer, if 22% is all the local banks offer what about a community credit union? Russia is in a unique political position; it is I believe the only single nation at the moment apart from maybe the USA that is able to effectively institute these reforms and create a real market economy, not a market economy of words only where the only wealth flows to the top, fore that is a monoploly posing as a market. I have thought in all sorts of ways but as i have become more educated, one can clearly see that the "Market" the real market and competition is the ever present force of nature, and it will eventually , no matter how long, wear down every monopoly, move against it and one may as well be pissing in the wind. we (the earth) are entering a phase of increasing information (as I'm sure people are now aware) if one looks at this as an equation the information flow is a multiplier to this market effect , in essence competition will increase globally, nations that either don't move or try to move against these forces, will just be bypassed or left behind or forgotten about. there are reasons people around the world know who Ron Paul is, there are reasons People around the world know the name Medvedev and Putin, and the Russian leadership, and they aren't the same old deceptive cold war reasons.