Editorial notes that Catch 22 the Love Creek residents are in when the county voted to make their homes uninhabitable assuming they could get FEMA money to replace their homes. However, the Small Business Loan organization feels that no loans are due since their house weren’t destroyed. Leon Panetta is working through the government to try to change this loophole and to increase the loan ceiling given that it is now $55,000 which will not buy a home in this area.