Nearly half the $9.5 million Arnold Schwarzenegger has poured into the recall race has been in the form of loans that his campaign staff says can be repaid by fund-raising after the election. Most of the loans came late last week, as polls began to show Schwarzenegger's prospects for winning the governor's office strengthening. In announcing his run for governor Aug. 6, Schwarzenegger had said that he did not need money from others. ..... Robert Stern, president of the Center for Governmental Studies, a Los Angeles organization that promotes campaign reform, criticized the candidate's arrangement. If Schwarzenegger becomes governor, Stern...