I have always followed their advice on those particular topics, but I am afraid that economic forecasting may be just about as bad on both counts.
Conclusion  As the philosopher Pericles said in 500 BC, “It’s not a matter of predicting the future, but of being prepared for it.” And this still applies today. I am confident that the savings bank sector is adequately preparing for the future – both in terms of the continued low-interest-rate environment and the issues of deposit protection and joint liability.