Even without any financial engineering they know how to do things. Just recently monthly fees for maintaining business account jumped from $15 to $25 per month without any explanation or extra service. That's Citi Bank. They probably got millions of accounts like that. Chinese tariffs ? Other banks are doing funny things too, there is no competition. And I was thinking about buying some Chinese tubes and a few capacitors. Now I can't afford them. You see what's happening ?