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    Brian - it is far more complex than that and the problems more deep seated. The banks can, do and will lend but they have quite rightly tightened their criteria and must not return to doing so irresponsibly. Yes freeing credit is essential and would be a start but as the IMF say we will not see any growth until 2010 and then their forecasts are very low, the economy is almost certain to still shrinking in the first part of 2010. I dont think the public will feel financially more secure until late 2010 or early 2011.

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