I'm in my first year at university <a href=" http://www.crisp-design.co.uk/graphic-designer-essex/#betty ">axcite magnum</a> When faced with the claim used by some British banks that the demand for credit is low, Prof Werner is dismissive. "I&#039;m quite used to this argument, because banks in Japan used it for 20 years," he says. "The banks, of course, have become very risk-averse, as they have many non-performing assets."