I've had accounts with at least three little banks that were taken over by megabanks within a year or so because, as Mojo Nixon so aptly sang, "I hate [big] banks!"
However, it appears that Machiavellian tendencies will reap what they sow (with interest, of course).
26 posted on 02/29/2008 6:09:34 PM PST by the invisib1e hand
(the model prescribes the required behavior. disincentives ensure compliance.)