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<rss version="2.0"><channel><title>ELFA SmartBrief</title><description>Designed specifically for equipment finance professionals, ELFA SmartBrief is a FREE daily e-mail newsletter. It provides the latest news and research to help you stay ahead of the competition.&amp;nbsp;Click&amp;nbsp; &lt;a href='http://www.smartbrief.com/elfa/index.jsp?sb_code=rss'&gt;here&lt;/a&gt; to subscribe.</description><link>http://www.smartbrief.com/news/elfa?sb_code=rss</link><image><url>http://www.smartbrief.com/images/xml/generic/logos/sb_logo.gif</url><title>ELFA SmartBrief</title><link>http://www.smartbrief.com/news/elfa?sb_code=rss</link></image><language>en-us</language><lastBuildDate>23 Nov 2009 08:48:57 CST</lastBuildDate><item><title>Small businesses are increasing borrowing, study finds</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DFC60F0B2-2913-45CF-B697-D097B4C580B1%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">A study by PayNet shows that small businesses are increasing borrowing and might be poised to lead the economy out of downtur&nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DFC60F0B2-2913-45CF-B697-D097B4C580B1%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DFC60F0B2-2913-45CF-B697-D097B4C580B1%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Industry News</category></item><item><title>Caterpillar's sales continue to fall</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D0BC21E53-3C31-47D4-AC72-0428908DBDA1%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">Caterpillar's worldwide machinery sales fell 50% in the three months that ended in October compared with the same period last&nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D0BC21E53-3C31-47D4-AC72-0428908DBDA1%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D0BC21E53-3C31-47D4-AC72-0428908DBDA1%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Industry News</category></item><item><title>Complexity results in sale of only a few "Super-BABs"</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DBCAA8898-92B8-48AE-8C13-40EEB87DF2A1%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">Issuers have flocked to capitalize on the government's offer to subsidize interest payments on Build America Bonds. &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DBCAA8898-92B8-48AE-8C13-40EEB87DF2A1%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DBCAA8898-92B8-48AE-8C13-40EEB87DF2A1%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Industry News</category></item><item><title>2010 growth forecast is increased by business economists</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D93C90567-3978-4B6C-AF03-323CF478BA63%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">The National Association for Business Economists ramped up its economic forecast for next year, predicting that businesses wi&nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D93C90567-3978-4B6C-AF03-323CF478BA63%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D93C90567-3978-4B6C-AF03-323CF478BA63%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Market Trends</category></item><item><title>Bullard advises keeping Fed's asset-buying program alive</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D96CDCD32-2F0F-4316-A9B6-3F45F067C081%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">James Bullard, president of the Federal Reserve Bank of St. &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D96CDCD32-2F0F-4316-A9B6-3F45F067C081%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D96CDCD32-2F0F-4316-A9B6-3F45F067C081%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Government &amp; Regulatory</category></item><item><title>Opinion: Lawmakers aim to give regulators more rescue power</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D29E560C7-4F98-4F3D-9368-17C2E92ACE5B%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">Federal Reserve Chairman Ben Bernanke recently said, "We won't have a real market-based financial system until it is safe to &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D29E560C7-4F98-4F3D-9368-17C2E92ACE5B%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D29E560C7-4F98-4F3D-9368-17C2E92ACE5B%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Government &amp; Regulatory</category></item><item><title>Commentary: Treasury likely to be criticized for warrant process</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D9F1665E8-3A07-480E-A0D5-7455F8A9A9CB%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">The Treasury is aiming to get a market price for warrants it received through the Troubled Asset Relief Program through an au&nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D9F1665E8-3A07-480E-A0D5-7455F8A9A9CB%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D9F1665E8-3A07-480E-A0D5-7455F8A9A9CB%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Government &amp; Regulatory</category></item><item><title>Geithner gets little credit despite positive results</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D6D23DE94-9A0A-44C1-89BE-8EDDDA93F2B5%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">Measures proposed and implemented by Treasury Secretary Timothy Geithner have helped restore confidence in financial markets &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D6D23DE94-9A0A-44C1-89BE-8EDDDA93F2B5%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D6D23DE94-9A0A-44C1-89BE-8EDDDA93F2B5%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Government &amp; Regulatory</category></item><item><title>Keeping a healthy balance</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D0C05F50D-B604-4188-A615-FD4301ED1E5E%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">Jennifer Walzer writes that she recently learned that a friend had been diagnosed with skin cancer -- a fellow entrepreneur w&nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D0C05F50D-B604-4188-A615-FD4301ED1E5E%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D0C05F50D-B604-4188-A615-FD4301ED1E5E%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Best Practices</category></item><item><title>How to kill your company</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D50F33402-E7F6-43B2-9EE7-151A58C392DC%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">It's never been easier to wreck your business, writes Luke Johnson. &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D50F33402-E7F6-43B2-9EE7-151A58C392DC%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D50F33402-E7F6-43B2-9EE7-151A58C392DC%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>Best Practices</category></item><item><title>Register for ELFA's 2010 Equipment Management Conference &amp; Exhibition</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DFEA9DFAC-3771-44DF-8E2B-3FDA40EC7707%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">Registration is open for ELFA's 2010 Equipment Management Conference & Exhibition, scheduled Feb. &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DFEA9DFAC-3771-44DF-8E2B-3FDA40EC7707%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3DFEA9DFAC-3771-44DF-8E2B-3FDA40EC7707%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>ELFA News</category></item><item><title>How much did the industry headcount shrink in 2008?</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D10FB5ECB-680A-48CE-B01F-BA76D2FD07E4%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">ELFA's Survey of Equipment Finance Activity covers all aspects of operations of equipment-finance organizations. &nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D10FB5ECB-680A-48CE-B01F-BA76D2FD07E4%26brief%3DELFA%26sb_code%3Drss%26%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FstoryDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D10FB5ECB-680A-48CE-B01F-BA76D2FD07E4%26brief%3Delfa%26sb_code%3Drss%26%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>ELFA News</category></item><item><title>Charles Darwin,  English naturalist</title><link>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FquoteDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D6F8E2954-4775-4A17-9C87-66F9CD1B1349%26brief%3Delfa%26sb_code%3Drss%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</link><description><![CDATA[<div style="clear:both;margin:20px auto;color:#666;">A man who dares to waste one hour of time has not discovered the value of life.&nbsp;-<a href="http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FquoteDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D6F8E2954-4775-4A17-9C87-66F9CD1B1349%26brief%3DELFA%26sb_code%3Drss%26campaign%3Drss&i=5088B56E-6B93-4543-9C00-6B172ED18DE5">More</a>-&nbsp;</div>]]></description><guid>http://www.smartbrief.com/servlet/rdrc?u=%2Fnews%2FquoteDetails.jsp%3Fissueid%3D5088B56E-6B93-4543-9C00-6B172ED18DE5%26copyid%3D6F8E2954-4775-4A17-9C87-66F9CD1B1349%26brief%3Delfa%26sb_code%3Drss%26campaign%3Drss&amp;i=5088B56E-6B93-4543-9C00-6B172ED18DE5</guid><pubDate>23 Nov 2009 00:00:00 CST</pubDate><category>SmartQuote</category></item></channel></rss>