As I pass it I feel as if I saw a dear old mother sweet in her weakness trembling at the approach of her dissolution but not appealing to me against the inevitable rather endeavouring to reassure me by her patience and pointing to a hopeful future.

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Today if you look at financial systems around the globe more than half the population of the world - out of six billion people more than three billion - do not qualify to take out a loan from a bank. This is a shame.