It is all about when and where to suffer the Fed taxes which everyone knows, pretty much by heart.
So, the private sector is adjusting the structured queue to have a nice betting binomial. The effect of the plot is to minimize, as much as possible, those fees. From year to year they will look more like a gaussian noise signal. At two percent of the economy, that is a gynormous loss. Swift bankers will rebel, this is horse manure on their business for no fault of their own.
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