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The Guardian

January 27, 2015

Bank lending to Britain’s factory owners slowed in December according to industry figures on Tuesday that indicate growing unease among manufacturers at the prospects for 2015.

The British Banker’s Association (BBA) reported that growth in bank lending to the manufacturing sector more than halved in the last six months and declined by £624m in December, compared to a £217m expansion of credit in the previous month.

The figures also show that borrowing by companies outside the financial sector contracted by £15.7bn in 2014, compared with a decline of £11.6bn in 2013.

The BBA played down the sharp decline, saying the figures can be volatile. It said much of the contraction in lending to non-financial firms was due to a collapse in borrowing by real estate businesses and a switch by large corporations from bank lending to the bond markets as a source of finance.

It said that 2014 saw positive borrowing growth in the manufacturing, wholesale and retail sectors.

But the recent decline in manufacturing chimes with comments by the British Chambers of Commerce, which has called on the government to boost investment to overcome nervousness in the sector.

Richard Woolhouse, the BBA’s chief economist, said: “Business lending has been falling as larger firms have used the bond market rather than borrowing from banks….”

The article describes the decline in British bank lending to businesses. Use the tools of the simple deposit multiplier to explain what impact this might have on the UK economy in the future.Article Interpretation 2
I need support with this Political Science question so I can learn better.

You must then choose 1 articles to read and interpret. Interpreting the article means that you are clearly and succinctly communicating the findings of the article as well as the methods used. This is not an article summary, an article critique, or an article review. This is an article interpretation, so you must interpret the findings of the article as if you were communicating this information to an individual for whom you worked. This assignment must be 400–500 words and be formatted in current Turabian style, including a citation at the beginning (on the top of the first page of text rather than at the end in a bibliography). No sources other than the article, itself, are required for this assignment.The case of the dishonored chech: nursing assignment help services
I need support with this Business Law question so I can learn better.

Zuzzane, as an individual, had an option to purchase a valuable piece of land for $500,000, provided she exercised the option by a certain date by mailing a deposit check for $50,000. This land was appraised at $600,000 and she intended to build housing for her family and her elderly mother on it. She drew a check for $50,000 on her personal checking account she had at First American Bank and mailed it to the landowner. Zuzzane had this checking account for 10 years. At the time she drew the check, she verified electronically that she had $60,000 in this personal account. However,s he owed the bank $30,000 for a collateralized loan that was 60 days overdue. That loan was taken out by her Limited Liability Company and secured with collateral from it. That loan had been taken out two years ago. The bank refused to honor the $50,000 check and spent $750.00 handling the resulting paperwork. As a result of the dishonorment, Zuzzane’s option became void, and the landowner sold the land to someone else for $550,000, resulting in a severe loss to Zuzzane. She sued the bank for damages.

The Trial

At trial, Zuzzane’s attorneys proved the value of the land, her losses, and the fact that she had always paid the bank on time, except for the most recent payment that was overdue. The bank’s attorneys proved that Zuzzane was over sixty days late on her last LLC loan payment and that it was their practice not to notify customers that there might be insufficient funds in their accounts to cover all checks written, as doing so would place an undue burden on the banking system.

The Arguments at Trial

Zuzzane’s attorneys argued that a bank has no right to dishonor a check except for the normal reasons permitted by law, such as a suspected forgery, an improper endorsement, and so forth. They further argued that the bank, based on its relationship with Zuzzane, should have contacted her before dishonoring the check so that she could have taken other action to prevent her loss of the land and that she did not have an automatic deduction from her personal account for the business loan. The bank’s attorneys argued that Zuzzane’s being overdue on her last loan payment indicated she was in financial trouble, that they had a right to seize her account to cover the overdue payment, and that instead they simply refused to honor checks on her account until the overdue loan was paid. They further argued that based on banking industry customs, it is the responsibility of the customer and not the bank to make sure there are sufficient funds to cover checks written. They were losing money each day that the loan was unpaid.

Questions to Discuss
Whom do you think the jury will favor, Zuzzane or the bank? Why? If you feel Zuzzane should win, what will her damages be? If you feel the bank should win, what will their damages be? Under what circumstances, if any, should a bank be able to offset a loan to a customer against any bank account on which the customer’s name appears?

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