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  Howard -
  There is a balance that has to be struck - do you know the meaning of the word 'balance' or did you just not bother to read what I said properly. The banks cannot build up cash reserves if they cannot get investment for which dividends will need to be paid and they need to make profits as well for the reserves and those dividends. When determining those they must take into account the need to strengthen their balance sheets as well ahead of the hurricane that on its way. A balancing act between all three needs is required. Their best revenue generating staff will still need incentivising to build those profits/reserves. Keith - you too, read what is actually said and try to understand it so you do not say silly things.

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