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And don't be afraid to lend an ear to voices that seem monomaniacal or self-marginalizing, offensive or extreme.
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"The banks have money, but now they are afraid to lend it out".
He wrote of the 1930s that "banks were afraid to lend, pressed by bad loans, lacking suitable solvent borrowers.
"We are now in a very dangerous situation where financial institutions across this country are afraid to lend money," he said.
"And if owners can't get coverage, lenders are afraid to lend, and that can cast a pall over the entire real estate market in the city".
But isn't part of the housing quandary that banks are afraid to lend because they fear losing their collateral — the mortgaged home — if the laws change?
In another sign that banks are afraid to lend to each other, they have been parking near-record sums at the E.C.B., collecting a meager 0.25 percent return on the money.
It is a sign of mistrust in the interbank lending market where banks raise operating funds, suggesting they are depositing money with the central bank at low interest rates because they are afraid to lend it to other banks — for fear they won't get paid back.
Banks are afraid to lend.
That's especially the case in economic environments like, say, a crappy recovery from the worst recession since the 1930s, when interest rates are at rock-bottom and banks are afraid to lend money.
Back in 2008, when Lehman Brothers filed for bankruptcy, it led to a "credit freeze," banks were afraid to lend to each other and the financial system ground to a halt until the Federal Reserve stepped in and greased the wheels by lending.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com