re: "when dealing with banks one should not expect to be treated ethically"
Of course you should "expect" it. You shouldn't "assume" it. You do know the difference, right?
The difference between FRAUD and SALESMANSHIP may be beyond most people's abilities to understand, but it is there and it is huge.
Gold is $1,581/oz today. When it hits $2,000, it will be up 26.5%. Let's see how long that takes. - De 3/11/2013 - ANSWER: 7 Years, 5 Months