I remain convinced until proven otherwise that Banks are going through a seismic shift following the American sub prime crisis.  The crisis will have profit impacts that drive product pricing and loan risk changes which will impact consumers over the next 2-3 years. 

Consumer pain looms with banks to hike credit cost – Times Online

Millions of people are set for their biggest ever financial hangover in the new year as the squeeze on money markets hits households across Brtitain.

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