What economists say is happening today is very different than what’s happening on Main Street USA. Economists say there is money floating around out there and financial houses have more than enough money to lend people. But banks, in many parts of the country, are acting completely the opposite. Banks are trying desperately to get new customers by giving away all kinds of goodies. It used to be a free toaster. But today’s gifts are much fancier. According to the Boston Globe, banks are offering gift certificates to home improvement stores and electronics stores, iPods, and cash! Banks are also offering specials on CDs. So, keep your eyes open for these offerings. Clark wonders how many people will go sign up just to get an iPod. They’re pretty hot these days.