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    There has to be a demand to fulfil. The fact is that a lot of businesses are not seeking to borrow but are paying back instead and/or building capital reserves. Such reserves are at a record high currently.

    A lack of confidence means that companies are being defensive currently. Besides, why bother to take risks on borrowed money when you could get taxed at rates of 47% (next year) 53% now or, even worse 62% as some are now and will be even next year.

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