Page 182 - The Circle of Life

Your worst enemy will probably say you had the right to consult your attorneys

before signing which is true but does not take away their deplorable lack of
knowledge which they claim to be experts on. The court will not take kindly to
this which is in your favour.

One thing I fail to understand is that all of your worst enemies have essentially

the same percentage rates. How is that possible? Surely that shows a lack of
competition between them and any kind of monopoly is prohibited by law for

that very reason. In American this would be called anti-trust laws whilst we
know it as competition law. I believe that they are investigated now and then

and as said in law they are vulnerable for they need to act with cleaner hands
than most businesses.

The counter argument they love to use is over regulation makes good old

fashioned competition (to your advantage as the consumer) virtually impossible
and the law gives them almost no leeway to change interest's rates. I say be

creative for why then charge the maximum allowed all the time? Experience
tells me there is quite a bit they can do but it is not for me to give them free

advice. As you know my legal consultancy refuses out of principle to act for or
with your worst enemy so I will keep my ideas secret. What do I know anyway?

The other peculiar thing about your worst enemy is calling themselves financial
institutions which I am tempted to believe is solely to regain some credibility

with the ordinary folk. Even the Swiss banks took serious knocks the last few

years. First it was alleged (I have no idea if it is true or not) that they have
millions of executed (Holocaust) Jews money which they are refusing to pay out
to the children and then they suffered enormous losses with rogue traders in

London. Some of the biggest banks (other than Swiss) even laundered terrorist

money if the news is to be believed.

How is this possible? I ask again what went wrong.

As an forensic law expert I can tell you that legally any bank caught with money

laundering will face severe (hundreds of millions) in fines and (we hope) a few
banksters in jail. As nice at that sounds it is a home goal for they will only use

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