Yes... All banks are linked to The World Bank... The Govn't doesn't lend anything... They get their dough from the same place...The Federal Reserve is privately owned it is not actually a govn't facility.

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YES, with highest rates

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well some get loans from the fed gov. and right now its no interest here.

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that is true

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sometimes banks will form coalitions to guarantee big loans that an individual bank does not want to risk alone but they all work together on most issues anyway because they are global giants.
You do not see that on the high street but behind the secenes they work together

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