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<p>[QUOTE=&quot;vlaha, post: 1855920, member: 56398&quot;]I&#039;m having some problems with this, let me list them.</p><p>1.&nbsp; &quot;...the banking industry is today very concentrated and uncompetitive from a free market standpoint.&quot;&nbsp; Which banking industry, and how are they being uncompetitive?&nbsp; There are three &#039;classes&#039;: the lending/savings banks, the investment banks, and the hybrids.&nbsp; ...and don&#039;t tell me that all the big banks are both, because I know for a fact that at least two of them aren&#039;t.</p><p><br /></p><p>2.&nbsp; &quot;Yes, Fed officials are appointed by government officials, but there&#039;s no doubt private banks have a lot of input in the process.&quot;&nbsp; Ok... so how are they giving this input, why would the government request it, and what reasons do you have to be&nbsp; making this statement?[/QUOTE]</p><p><br /></p>

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