During a period of economic weakness, for example, a prudential supervisor concerned only with the safety and soundness of a particular institution will tend to push for very conservative lending policies.

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Ammiano says anyone carrying the card will be able to use the city's libraries, public golf courses and health clinics, where that kind of resident proof is needed, and, the supervisor claims, these cards are a safety measure.

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Ms Murphy, a room supervisor who lives in Greenfields in Loughton, faces similar health and safety charges.

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