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The "deep essay" or thesis, titled "The Impact of Bank Capital Requirements on Lending – Does the Subprime Crisis Make a Difference?" , was written by (2016) at the University of Turku (UTUPub) [14]. Core Argument and Structure

: The mathematical formulas used by regulators to ensure banks hold enough equity against risky assets. 124655

: How capital requirements can amplify economic cycles (tightening during bad times). The "deep essay" or thesis, titled "The Impact