@gl33p yes, but if banking is competitive, mustn’t banks pass along a new cost either in the form of lower deposit rates, higher lending rates, or fees? or should we just acknowledge that in fact banking is not so competitive, so the connection between a new cost + customer rates and fees mb weak, so (perhaps, who can say?) the new cost might just drop out of shareholder profits and/or mgr comp. is there no funding mechanism, at least looking forward, that can ensure the latter?