With “bailout” as the new buzz word of the day, the crisis on Wall Street has everyone talking. A recent New York Times article by Steven D. Levitt features commentary by Douglas W. Diamond and Anil Kashyap – professors at the University of Chicago’s Graduate School of Business – that breaks down the government intervention to help Fannie, Freddie and A.I.G., as well as the fall of Lehman. The article, which provides an easy-to-follow explanation for those still trying to make sense of those two dizzying weeks, predicts that accessing credit will become more difficult and more expensive for small business and everyday individuals in the wake of these drastic changes in the financial system.