Lehman said on Friday it had closed on a $US2 billion, 3-year unsecured credit facility. But markets are broadly jittery now, all the more so after Bear said it needed emergency funding on Friday, getting a lifeline from the Federal Reserve Bank of New York using JPMorgan Chase & Co Inc as a conduit. ''It's very very damaging to psychology to have the fifth-biggest brokerage firm go from viable to practically defunct in a week because it makes people say, 'What about No. 4?'''