On Wed, Nov 19, 2008 at 10:44 AM, Elliott Hird
<[EMAIL PROTECTED]> wrote:
> It's not easy to determine what's a good or bad rate unless you have
> something impartial monitoring their value somehow (PBA).

PBA's rate change algorithm isn't impartial, it's just an arbitrary
way of adjusting.  It seems unlikely to me that the objective value of
a 0 crop decreases by 25% any time someone deposits one in one bank
but doesn't change at all if they deposit it in a different bank.

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