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Not available at the moment http://www.memories-book.co.uk/blog/drug-essay-topics/ fruitless lime unsw phd thesis treasure embark Dipping into the money they had previously set aside - known as "releasing reserves" - is entirely legal, and banks have been doing it for some time. But it will be particularly handy for banks this quarter. Mortgage lending has slowed down, cutting into a key source of income growth for the banks.