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Will I have to work shifts? http://streamate.in.net/ www.streamate.com On credit growth, we have to - we have to acknowledge thatthe underlying loan growth over the recent quarters remainssubdued and has been subdued for quite a time. We know thatthere are several reasons for that, first and foremost, weakeconomic demand; second, heightened credit risk; third, thecontinuing deleveraging by households and enterprises.