> It's not a shadowy cabal; it's really just the fear of going out of business. Thanks for the insight, I was wondering about this point. I generally tend to

> It's not a shadowy cabal; it's really just the fear of going out of business. Thanks for the insight, I was wondering about this point. I generally tend to try and attribute what _feels_ like coordinated cabal behaviour to general incompetence or lack of control. This feels like one of those situations. I've worked around banks and this erratic behaviour is pretty common, and mostly due to short term personal motivations, and lack of coordination rather than an excess of coordination (i.e. collusion - which is not to say that banks aren't guilty on this point, but I think mostly not the case)