(QT (DQL ``) (QTC (S (ADVP (RB However)) (COMMA ,) (S (BASENP (NN recovery)) (VP (ADVP (RB critically)) (VP (VBZ depends) (PP (IN on) (NP (CC both) (NP (NP (NP (BASENP (DT the) (NN willingness)) (PP (IN of) (BASENP (DT the) (NN banking) (NN system)))) (SBAR (S (VP (TO to) (VP (VB extend) (BASENP (NN credit))))))) (CC and) (NP (NP (BASENP (DT the) (NN readiness)) (PP (IN of) (BASENP (NNS businesses) (CC and) (NNS consumers)))) (SBAR (S (VP (TO to) (VP (VB use) (BASENP (PRP it)))))))))))))) (PERIOD .)) (DQR ''))