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"I reckon that's been eatin' at Woodrow. Seems to me, he's the kind to stew over somethin' like that 'til he's got to do somethin' to prove it wrong."Pops looked sidelong at his young protege. Alex didn't see the slow grin that spread across his face. "I reckon you got the right of it, son, but it weren't none of our doin'. If Call Woodrow figgers he's got to do somethin' about it, then he's got to do somethin'. I reckon we'll both know what to do when that time comes. Ain't no use to worry 'bout it."To their relief, Call Woodrow and his two sidekicks were nowhere to be seen, as Alex and Pops finished their trading and were loading up the supplies. Then the morning air was rent by a piercing scream, just around the corner from them.Alex heaved a heavy sigh when he heard the girl scream. He and Pops stopped loading the wagon and exchanged glances. Nothing more needed to be said.Show Low had not been much of a city before the Sickness, compared to, say, Phoenix, and it was even less of. The bank takes all of its depositor’s money and reinvests it, and they receive a much higher interest rate than they pay us.“If Doug’s bank invested the depositors’ funds, he could easily get a four percent return on the investment, or more. If he made bank loans to other people and businesses, he could get a sixteen percent, or higher, return; a lower interest rate would give him even more loan business. If he advertised a three and a half percent return on checking accounts and a four percent return on savings accounts, I bet his bank would be swamped by people applying for accounts in his bank. I know I’d switch our accounts to his bank for that reason alone.“He could also advertise very low interest loans for his customers. All of the current banks advertise loan interest on a home at the prime rate plus an amount that varies according to how greedy a bank is. What would happen if Doug’s bank offered home loans at a half a percent below the prime rate?”“Yes those types of.
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