In a broad sense, interest rates are not limited to bank interest itself, but also to bond markets, and even to share dividends, another way of stating dividends. In fact, in the United States, the proportion of direct financing is far greater than the indirect financing, corporate bonds, debt-financed and publicly traded shares is a very important means of financing, at this time all can use the concept of interest rates for analysis. To do this, monetary and fiscal policymakers must work together, including letting the central bank liquidate its budget deficit in extreme circumstances. But central bank independence is an obstacle, not a help, in working with the financial sector. The independent of interest is of positive significance to show the active role of the fund users in the reproduction process. Cretelli denied that foreclosures are imminent but he admitted that many of the units were being returned for the lenders via 'negotiated resolutions and settlements'. Speaking to The Des Moines Register he explained, 'It's a continuous type process, but I think the reality is that we have started to resolution voluntarily with everybody, and, it's going to be better for all parties concerned, 's what it amounts to'. The earliest efforts were made in the areas of canning, Alexandria, munez and spaurous.