But also, advantages that flow to a business are extremely sticky. The business won't budge those rates until they feel forced to - either by bad P.R., or by a

But also, advantages that flow to a business are extremely sticky. The business won't budge those rates until they feel forced to - either by bad P.R., or by a customer exodus. And thus the advantage of all banks conspiring sub rosa to keep those rates low - they're still competitive if nobody else is budging either.