2019 as crystal ball

Looking ahead with accuracy depends on getting a clear picture of the past. As 2019 closes, it is worth recalling some of the year’s developments in order to see where things may be going, from the economy and pot banking to technology and political leadership. [Continue]

The long, winding DIF road

It has been a slog for the industry to get to this point, and while the credits are appreciated, the environment was still better in the 1990s when many banks paid no premiums at all. But given how much things have changed in the last 25 years, the post-crisis premium structure seems appropriate. [Continue]