Rich Bankers want to avoid risky loans, and save money...for their bonuses: Tales From Normal, Mn.: Fiction

Well. Pretty shocking....a short text from Normal, Mn this morning from my old friend, Herman, the countryboy lawyer, that the audits of the banking institutions of Normal, Mn. has revealed very few loans have been granted to anyone, no matter how high their credit score...

It seems that the bankers have a coded language they speak to one another, and they smile when they speak of being "risk averse" since that is the term they speak when they really mean "saving for my bonus."