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While I agree with the basics in – Gulvafslibning | Kurt Gulvmand , I think the  buoyant sentiment around today is a concequence of a false set of circumstances.  The demand for consumer loans is still weak  and there is no significant improvement  in the housing market.  The developed nations are surviving on their governments ability to just borrow and spend into their economies which is difficult to maintain.  Regards, Estela Camp. Ganapathi Puja