Credit Crunch?

So is there really a "credit crunch" out there? What of these two facts:

Warren Buffett, the billionaire investor said "money is still available and reduced interest rates make it quite cheap."

Two additional questions were asked in a special poll of the ISM non-manufacturing panel in January. (From ISM report dated Feb 5, 2008)

Question - Is the turmoil in financial markets having any effect on your firm's ability to obtain regular or additional financing?

Yes — 14.6%
No — 85.4%