BUSINESS DIGEST
THE ECONOMY The credit drought may be easing as fewer banks are tightening lending practices. A Federal Reserve survey shows just over a fifth of the banks imposed stiffer terms on business loans in the last six weeks, compared with one-half in November. [ D1. ] Wall Street firms are searching for ways to finish a complex reorganization of back-office operations. Some firms are considering various strategies including moving operations out of Manhattan -- even to third-world countries -- to cut costs. [ D1. ]

