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    Its a matter of history and fact, Keith.

    Brian, the fact is its a British Bank and there are complex issues regarding the availablility of finance for which the level of profit is not of direct, only indirect, relevance. Businesses are assessed for finance based on risk, business plan, ability to service lending and so on. The availability of finance though has eased after first being hit about a year ago when the interbank lending dried up, partly as a protective measure.

    I am actively involved advising small businesses and hence have some knowledge of what is happening.

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