Forget the Dow. Credit Is the Real Wall Street Danger

``According to my Wall Street sources, companies of all stripes are drawing down the lines of credit that they have from their banks. This is, of course, a "better safe than sorry" course of action--take the money down whether you need it or not because otherwise when you really need it you might not be able to get it. But it's also a leading indicator of extreme financial and economic nervousness. Before it collapsed 12 years ago, Bear Stearns drew down the full amount of its credit facilities too. ''