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"You need confidence to borrow.
It takes an enormous amount of artistic confidence to borrow as craftily as Picasso and Matisse borrowed from each other.
The big challenge is to persuade clients to have the confidence to borrow rather than just save their money.
By historical standards it is feeble (see chart).Although banks do typically run down capital in a recession, it is clear that they still do not command enough market confidence to borrow at commercially attractive rates.
"Don't leave us alone with the French," some German politicians whisper as Paris again ducks structural economic reform so long as its bond market commands enough confidence to borrow more.
That gave him the confidence to borrow heavily once again, he says.
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Osborne could and should have used his autumn statement to give the private sector the confidence to invest, to borrow, to innovate and to spend and so run down its vast £700bn cash stockpile.
Rising incomes and consumption in emerging markets will give many consumers the confidence to start borrowing.
Despite the bank's large-scale asset purchases, the uncertainty that these statements created undermined confidence and the willingness to borrow.
Analysts now say that the central bank's move last Friday to restore confidence by encouraging banks to borrow directly from the Fed at a lower cost has had only limited impact so far and that the Fed will need to take more drastic action by cutting its benchmark interest rate soon if it fails to see more progress.
I watch him before I give talks because I get to borrow his confidence.
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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