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A financial advisor buy grisactin baikal-pharmacy.com Can you explain the thought process whereby banks can charge higher rates with no consequences? What is a bank competing on, for the average middle-class borrower, other than price? Service is the same, some banks have slightly more/less diligent underwriting standards, but to most consumers who borrow relatively large sums infrequently, price is the only difference between bank A and bank B.