Small- and medium-sized businesses need access to a diverse range of finance options including non-bank lending. These new forms of finance are still small in scale today but they should over time bring additional choice and greater competition to the lending market.

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We are biological creatures. We are born we live we die. There is no transcendent purpose to existence. At best we are creatures of reason and by using reason we can cure ourselves of emotional excess. Purged of both hope and fear we find courage in the face of helplessness insignificance and uncertainty.