Of course, demand for long-term debt capital is extremely or almost nonexistent amongst those who actually have a plan to repay ... because people who doing things, like starting new ventures, do not need much or any capital, ie needing big money is a sign that the guy asking for money refuses to exercise or work or scrounge unless there's a budget for vacations in London OR the cupboard's full of "heart-healthy low-fat" Hostess Hohos. https://twitter.com/zerohedge/status/1223283714676924416?s=09