One reason that banks aren't lending

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I read an interested article:

http://needamortgageloan.wordpress.com/2011/05/25/would-you-pay-your-bank-to-not-make-you-a-loan/

Essentially banks have parked 1.2 trillion more in reserves than is required for balances invested in the banks. The fed is paying banks to park their money offering a safer return than would be possible if lending the money.