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Each month, we draw less than one percent interest on our average daily checking account balance, and the interest rate on our savings account is not that much more. The bank takes all of its depositor’s money and reinvests it, and they receive a much higher interest rate than they pay us.“If Doug’s bank invested the depositors’ funds, he could easily get a four percent return on the investment, or more. If he made bank loans to other people and businesses, he could get a sixteen percent, or higher, return; a lower interest rate would give him even more loan business. If he advertised a three and a half percent return on checking accounts and a four percent return on savings accounts, I bet his bank would be swamped by people applying for accounts in his bank. I know I’d switch our accounts to his bank for that reason alone.“He could also advertise very low interest loans for his customers. All of the current banks advertise loan interest on a home at the prime rate plus an amount. "I've gone over and over that in my mind. Best I can figure is about four, maybe five minutes at the outside before I began breathing for her and Jessica started compressions." That's easily within a full-recovery time frame," the paramedic said, "but ... how long was she not breathing before that, and ... what stopped her heart to start with? Was it the wreck? But if it was an overdose, which I strongly suspect, then whatever she took might have truly ended her life, no matter how diligent you people were, or what I managed to do for her. CPR doesn't fix what's wrong, just maintains life until a doctor can, maybe ... take care of the problem. So the answer is: no way to tell yet. Nothing we can do except keep her body going until we get to the hospital, then leave it up to the ER doctor and the other personnel there. They have the equipment to find out what's going on."Fred looked down at the young woman lying on the gurney. She appeared thin — frail. She was obviously braless under.
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