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Discover Ludwig"surplus capital" is correct and usable in written English.
You could use this phrase when discussing capital that is not needed by a company or individual, or describing a situation where there is a significant amount of capital left after liabilities have been paid. For example, "The business was able to generate a large surplus capital after paying off all of its debts."
Exact(57)
Less surplus capital should improve underwriting discipline, pushing up rates.
Theories postulating Europe's need to export surplus capital do not fit the facts.
Surplus capital has led to dangerous over-exploitation of the planet's natural resources.
It will ensure that banks have surplus capital well above the minimum level to write off bad debts.
So imports into Russia are generally under-reported.As a percentage of the trade surplus, capital flight is falling.
These insurers tend to have huge amounts of surplus capital which should help them withstand even a nasty stockmarket slump.
Barrie Cornes at Panmure Gordon said: We interpret [the £10bn target] to mean significant returns of surplus capital for shareholders.
Only a handful of European countries and their private bankers had surplus capital to finance overseas development.
This squeezes prices and margins, thus denying better-run firms the surplus capital they need to hire talented people, buy competitors or invest in research and development.
So corporate profits do not drive economic growth — they're just restless sums of surplus capital, ready to flood speculative markets at home and abroad.
"While such headlines are disappointing they are not necessarily unexpected… [It] had approximately £8bn of surplus capital on its balance sheet at the end of September 2015".
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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