So here's what I learned from angry Nevadans at today's hearing in Las Vegas on whether the TARP funds are helping:
--The TARP money going to banks isn't being used to lend.
--Community banks are being cut out of TARP funds and can't compete (and therefore won't lend).
--TARP has done nothing to slow foreclosures.
--The head of the Nevada Bankers Assn. says as many as half the loans in default around here are with people who won't return phone calls but have "thrown up their hands and walked away."