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    No Tom, I expect not.

    Yes it is sad, but inevitable.

    One problem arising is from new capital adequacy rules being imposed by the EU require higher levels of reserves. The banks can get this in only two ways, price increases and/or cost cutting. We have already seen some mortgage rises as a result with Halifax and Lloyds. Now, Santander, with two branches in one small town I am surprised they have not acted sooner.

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