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epa01604878 A Stock Exchange employee exits the London Stock Exchange in London, Britain, 19 January 2009. The British government has announced a second package of measures to encourage banks to lend to individuals and businesses, on 19 January. The long list of measures includes a scheme to offer insurance against banks losing more money from the bad debts that started the credit crunch. Meanwhile, the Bank of England is to be able to buy assets direct from firms. All the major British banks were trading down at 1400 GMT in London. EPA/ANDY RAIN