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  • The volume of credit depends upon three factors: the desire to borrow, the ability to lend and the desire to lend.

    Benjamin Graham
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    "Storage and Stability". Book by Benjamin Graham, Part III, Chapter XIII, The Reservoir Plan and Credit Control, p. 154, 1937.
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The volume of credit depends upon three factors: the desire to borrow, the ability to lend and the desire to lend. - Benjamin Graham
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