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business coaching services trading.) TARP funds were important because no major bank has been able to access unsecured debt financing in large size and at a reasonable cost without government guarantees. So it is reasonable to assume that TARP funds allowed Goldman Sachs the liquidity it needed to operate in the manner it did. The speedy repayment of the TARP funds would seem to stem from Goldman's desire to be freed from the Treasury Department's oversight of its business. In the race to return to profitability, the coming earnings reports from other banks will determine just how many of them compete on Goldman's level. In this case, "smart but sure wins the race." Slow doesn't have much of a place.Wells Fargo sent the market higher last week after good news from their lending division. Is this an indicator that money has become more accessible to borrowers? And if so, how much of this is a result of government assistance?No, this is not confirmation that money is accessible. Mortgage money for single family housing is available. Credit for business borrowing continues, for the most part, to be frozen. Venture capital is frozen. Inventory borrowing is frozen. New equipment borrowing is frozen.The government assistance to the banks has not helped increase borrowing. It has helped the banks placate the regulators.Wells Fargo results were from operations and the Wachovia acquisition. How hard could it be to make money when you borrow from the Fed at 0% and lend it at 6 percent? The bulls are grasping at any good news at this point.Government assistance has helped in the sense that it was used to aid Wells purchase of