RE:RE:RE:RE:Treading water continuesactually Twiggy banks are a bad buy with interest rates rising...they make their profit on the rate spread...pay 2%...charge 4%....the higher the rates the less consumers borrow....banks make their most profits when rates are low and people borrow and make their payments with ease...worst things for bank shares are high rates...people borrow less and defaults, bad debts, bankrupcies happen....