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What would happen if Doug’s bank offered home loans at a half a percent below the prime rate?”“Yes those types of inducements would undoubtedly get him a lot of customers. It would also cause him a lot of problems with the banking community.”I asked, “What type of problems, Matt?”“I’m not sure of all the problems, but you can bet that they would complain to the Reserve Bank about your bank practicing unfair business practices.”“Matt, would the Reserve Bank have a problem with my bank paying higher rates on account balances than the banks that complain or on my bank charging less interest on loans than those banks?”“I don’t know, Doug. I am not familiar with the Banking regulations that control interest rates. I suspect the interest rates the banks pay and charge their customers are based on what they think will get them more business. So they set their interest rates to be slightly better than what other banks pay and charge.“If you come along and set interest rates they consider. He stopped at a roadhouse and asked me what I felt like eating? I said that i would like a dagwood. He ordered me one and while we were waiting for them to prepare it, he suddenly pulled closer to him and started french kissing me. I do not know why but suddenly my cock went rock hard. It was a very unfamiliar feeling, yet exciting at the same time to be kissed by someone with a moustache!While he was kissing me he slid his hand over my pants and started rubbing me on my erection. This was making me very horny indeed. Then he stopped and said we will first have to wait for the food before we could carry on. I did not mind as it was nice and warm in his car and at least for the momement I was out of the rain. The food arrived and we left the roadhouse.He drove the car out of town onto the old south coast road, while we were driving I was eating my dagwood and wondering what was going to happen now? he pulled off the road at one of these laybyes and switched of the engine. By this time.
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