Item Removed
You seem to be attempting to access an item that has been removed from the repository.
There is an alternative version of the item you are trying to access:
Osborne, M., Fuertes, A-M. 
ORCID: 0000-0001-6468-9845 & Milne, A. (2016).
In Good Times and in Bad: Bank Capital Ratios and Lending Rates.
International Review of Financial Analysis, 51,
pp. 102-112.
doi: 10.1016/j.irfa.2016.02.005