@SteveRoth What determines how good a business banking is likely to be? Three things: (1) deposit rates you’ll have to pay; (2) returns from assets you’ll puchase with the borrowed funds; and (3) the amount of leverage you can take on consistent with (1), any regulatory constraints, and your own risk tolerance. If you can earn a big spread (deposit rates are low, asset returns high) and lever way up, you can make a lot of money in banking! 9/