Now that might, in theory reduce mortgage rates, but the scope for making any margin on lending has been reduced again.

FORBES: No To "Twist" But A Little "Bump" & "Hustle"

The 1970s brought insurance, corporate finance and securities margin-lending within its remit.

ECONOMIST: Business and politics in Taiwan

Either low interest rates have not got through to households or businesses because the banks need to make a higher margin on lending now to rebuild their balance sheets - or companies have plenty of money to invest, but they're too nervous about the future to do it.

BBC: Osborne, Balls and the OECD: Where they agree