Higher stress, the frequent necessity of working more than one job, the absence of benefits, and the time and money spent commuting-all these exact a financial and psychological toll. There is a fundamental aspect of our humanity, which is to live a more fulfilling existence-to enjoy the richness of life.
Lending growth and losses and provisions Per cent 3.0  Per cent 30 25  2.5  20  2.0  15  1.5  10  1.0  5  0.5  0  0.0  -5  -0.5  -10  -1.0 2005  2001  2003  1999  1997  1995  1993  1991  1989  1987  1985  1983  4  1981  1979  1975  1977  1973  1971  1969  1967  1965  Annual lending growth 14-12-2006  Losses and provisions (right-hand axis)  DANMARKS NATIONALBANK  2  BIS Review 122/2006  Chart 2. Credit risk and average lending growth, 2000-05 Credit-risk measure, per cent 2.0 1.8 1.6 1.4 1.2 1.0 0.8 0.6 0.4 0.2 0.0 0  5  Category 1  10  15  Category 2  14-12-2006  Category 3  20 25 30 Lending growth, per cent  DANMARKS NATIONALBANK  2  Chart 3.