Μ. Κληρίδης: Καιρός για επιστροφή στο boring banking

• ?e? ??????? ???? ???d? p?? ep?ßa???eta? µe f??? ????? ?a ??e? ?e?d?f???a
• F??t????a? st?? t??pe?e? ta eft? ?a??s?µa aµa?t?µata
• ???? e??a? ta p??s?pa, ??p??a p??s?pa, ?a? ???? ?? t??pe?e? sa? ???a??sµ??
• ?e? e??a? s??pe?-??µp???te?? a?t?? p?? d??????? t?? t??pe?e?
• ? p??s?p??? s??s? pe??t? – t?ape??t?, de? ??µ??? ?t? ?a pa????e? ??s?ast??? p?t?
• ? ?????? t?? ????p?? «?ata??e?» t? ?esµ? t?? ?p?pt? ??a p??stas?a t?? ?ata?et??
• ???a? e????? ?a s????µat??????µe µe ta ep?t???a
• ?e? µp????µe ?a a?aµ????µe ?µa??p???s? t?? s??????? da?e?sµ?? ??????a.  ???µe se a??µa?e? s?????e?

??? ap? ta d??t?a ta ??e? ? ???? p??ed??? t?? S??d?sµ?? ??ape??? ?????? ?????d?? µ????ta? st? InBusinessNews. ??a??e? ta ??a ded?µ??a st?? t?ape???? t?µ?a ?a? t?? d?s????e? p?? ?a a???????s??? ??t??ta? pa??????a ?? ?p??e? e?s???se?? ?a? ap??e?? ?a ?????ta? se ????????st??? ß?s? ?a? µ?s? s????µ?t??.
 
?a??????a, ???e? ?????s? ?a staµat?se? ? da?µ???p???s? t?? t?ape??? ?? ?p??e? ????? ?d? ????e? ????e? ????? ?a? ?a d??ast???.

?p? t?? ????, pa?ad??eta? p?? ? ??sp?s? epa????? eta?????? d?a??ß????s?? de? e??a? epa??e?? af?? a?t? p?? ?????? ??e???eta? e??a? ? ?a??????e?a ????? ????t???a?.

Se s??s? µe t? ????eµa, ? ?. ?????d?? e?f???e? t?? ?p??? p?? ?? ?ata??se?? t?? µ? e?e?d??e?µ???? ?ata?et?? ?a p??pe? ?a ?a??pt??ta? p????? a?e?a?t?t?? p?s?? (100???.). ????sta, e?s??e?ta? ?p?? ? t??pe?a p?????e? ??? a?t?? ??a p?? ?aµ??? ep?t???? af?? ?a e??a? asfa??sµ??e? ?a? ?a p?????e? t? d?af??? t?? ep?t????? st? s??e????t??? ?ata??se?? – t? ?aµe?? ???stas?a? ?ata?et??.



???e? p??te?a??t?te? ??tete ?? ???? p??ed??? t?? s??d?sµ?? ??ape??? st? p??t?????? pe??ß????? p?? d?µ?????????e;
Te??? ?t? ?? p??ed??? t?? S??d?sµ?? ??ape??? a??? ?a? ?? st??e??? t?ape????? ???a??sµ?? ?a? ?????? ?? ?t?µ?, ??? ?p?????s? ?a s??d??µ? st?? e?????????sµ? t?? d?µ?s?a? s???t?s?? p?? af??? st?? t??pe?e?. ??st????, p????? f????, p??te????ta? ? ap?fas????ta? µ?t?a p?? ep??e????? ?µesa t?? t??pe?e?, ap? ?t?µa p?? de? ????? t? ???s? ?a? de? µe?et??? t?? s???pe?e? t?? p??t?se?? t???, t?? p??e?t?se??. ?a ????t?a ???? ?a p?ste?? ?t? e??a? s?st? ?a? ??? d?µa??????.  ??t? ?µ?? de? a??e?.  Ta p??pe? ?a µ????µe ?a s???t??µe ?????????? ????ta? ?p??? ??a ta ded?µ??a, ??? µe t? e?? ??µ???, ????sa ??p …. ?at???????ta? ??a pa??de??µa ?? t??pe?e? ?t? de? ??????ta? ?µesa ??a ?a µe??s??? ta ?e?t??????? t??? ???da µ?s? µe??se?? µ?s??? t?? e??a??µ????.  ???pe? ?a a?t???f???µe, ?µ??, ?t?, t? ?d?? t? ?esµ??? p?a?s?? p?? d?µ??????se ? p???te?a ??a p??stas?a t?? e??a??µe???, e??a? p?? ?a??ste?e? t?? ?p??a ap?fas?. G?a pa??de??µa ??a ?a ß?e? p?e?????? p??s?p??? p??pe? ?a µp??e? ?a ap?de???e? ?t? µ?s? ??p???? s?ed??? a?ad??????s?? ??p???? s???e???µ???? ?a? ??? ?????, «p??pe? ?a f??e?» d??t? de? ?p???e? p???? ? ??s? e??as?a? t??.  S?efte?te t??a t?? ???pe?a ??p??? p?? ?a p??pe? ?a t? st???e???et?se?, µe ß?s? t? ??a d?µ? p?? ?fe??e? ?a s?ed??se? ??a 5000 ?t?µa.  ?? p??pe? d??ad? ?a ?????? ?? t??pe?e?;  ?a pa?a??µ?s???;  ?a pa?at?p?s???;  ?a? a? t? ??????, t? ?a pe? ? ??sµ?? ??a t?? t??pe?e?;
?p?s??, p?? d?af??et??? ?a µp????se ?a?e?? ?a ?a?a?t???se? t?? ep?ß??? ???? f????, t?? ??a p?? ? t?µ?a? a?t?µet?p??e? t?se? s?ßa??? p?????se??;  ???? ??a t? f???????a st?? t??pe?e? ep? t?? ?ata??se?? t???, ? ?p??a ep?ßa???ta? a????? ??a d?µ??????a taµe??? sta?e??t?ta? t?ape??? ?a? t??a ap?? ??a e??s??s? t?? ??at???? es?d??.  ?e? ??????? ???? ???d? t?? ??????µ?a? p?? ep?ßa???eta? µe f??? ?ta? de? ??e? ?e?d?f???a!  ?e ap?t??esµa, µ???sta, ?a µe?a???e? t?? ?efa?a?a??? a????e? t?? t?ape???!  ?a? ?a t?? a?a????e? ?a ??t??? ??at??? ß???e?a. ?et? t?;  Ta ????????µe t??? ?ata??te?;  ???a? ?????? ? pa??????;
?? de?te?? p?? ?a ??e?a ?a pet??? e??a? ?a ße?t???e? ? d?µ?s?a e????a t?? t?ape???.  ?? t??pe?e? ????? da?µ???p????e?.  ???? ????? pe??p?? f??t??e? ta ept? ?a??s?µa aµa?t?µata ?a? ????? e??a? d?ate?e?µ???? ?a a?t????s??? ta p???µata µe ?ea??sµ?. ??e? ?a?e? ? ???? t?? ?t? ? ?a???a? e??a? a???? µ???? t? ???ast???? ?a ap?fa??e? ?t? e??a? ??????.  ?d? ??t??µe ????, p???t????, µ?sa µa????? e??µ???s?? ?a t?µ??????? ?? ??????.  ????µe ?d? ß???e? s?µpe??sµata p??????? e????? ????? d???, ????? ?a a???s??µe µa?t???a. ??te ?a µ????µe ?a seß?µaste t??? ?esµ??? t?? p???te?a? µa?;  ???? ?atast??f??µe ?? ?d??? ?a? µet? f??????µe ??at? de? t??? s?ß??ta? ?????.  ?a? p?te ?a ?ata??ß??µe t? d?af??? p??????? ad???µat?? ? ape??s?ept?? – a??? – ??? – pa????µ?? –  s?µpe??f???? ? a??????? a??? ??? pa????µ?? p?????;  ?a? µ?? t? p??ete ?a??asµ??a.  ?? ????? ???e? p?????? ad???µata ?? ?????? ?a p??pe? ?a p??e f??a??.  ?? ????? ???e? ast??? pa?apt?µata ?a p??pe? ?a p???????? ap???µ??se??.  ??????e? s?µpe??f???? ?a p??pe? ?a ß???? st? f?? t?? d?µ?s??t?ta?, s?????sµ??a ?p?? se µ?a ?a?? ?a? e???µ??µe?? ???????a ?a? ??? µpa?a??a.
???µ? ?a? ?a de???, ?ea??st??? µ????ta?, ?t? e?de??µ???? ?a ????? d?ap?a??e? ???? ap? t??? f??e?? p?? eµp?????ta? st? ???µat?p?st?t??? s?st?µa, ?a ?p???a? pa?a?e??e??, ?? ?esµ?? µp??e? ?a µ?? ?e?t?????sa? ???a??a ?a? ap?te?esµat???, µp??e? se ??p??e? pe??pt?se?? ?a d?ap?st????? – µet? ap? ??e??a – ?a? d???e? e????e?e?.  ???? e??a? ta p??s?pa, ??p??a p??s?pa, ?a? ???? ?? t??pe?e? sa? ???a??sµ??.  ?te??? e??te???.  ?? t??pe?e? e??a? ??a apa?a?t?t? s?stat??? st???e?? µ?a? s???????? ?a? ?e?t???????? ??????µ?a?.  ? t?ape???? e??a? ???s?µ?, e??a? a?a??a??t?ta ??a t? ????????? s?????.  ?a ad???µata, ???? ? pa?a?e??e?? ??p???? de? ?a p??pe? ?a a?????ta? st? s?????.
????? d?e??t?µa?, ?a ?ta? ?d?a ? a?t?µet?p?s? t?? ???????a? e?? pa???s?a??ta? ??a µe???? p??ß??µa se ??a ???? t?µ?a t?? ??????µ?a?;  G?a pa??de??µa st?? ?atas?e?ast??? t?µ?a; Ta p??pe? ?a  ?e?????ta? e????µat?e? ?? ep??e???µat?e? a??pt???? ??? p?? ep??d?sa? «a????sta» se ?? ?a? a????ta ?a? t??a ????? p??ß??µata ep?ß??s??;  G?at? ed? p??stas?a ?a? st?? t??pe?e? «??eµ??a»;  

?e t?? ap????f?s? t?? ?a???? ap? t?? ???pe?a ??p???, ??s?ast??? t? ?s?????? d???µe?? st?? t?ape???? t?µ?a e??a? a??pa??t?. ?p??e? ?a ?e?t?????se? ????????st??? ? t?µ?a? s’ a?t? t? pe??ß?????;
??? e???e?te ?t? ??e? ?a?e? ??a? µe????? pa??t?? t?? t?µ?a µe ap?t??esµa ?a d?µ???????e? µ?a t??pe?a µe????? s?st?µ???? s?µas?a?, µ?a ?pe?t??pe?a, t?te ??µ??? ?t? ?a?, ?a p??pe? ?a µa? p??ß??µat?se? t? ?e?????.  Ta p??pe? ?a µa? p??ß??µat?se? ?? ???t?? af?? µe???a p?st?t??? ?d??µata s??ep????ta? ?a? µe?????? ???d?????, se pe??pt?se?? p?? a?t?µet?p????? p??ß??µata.
A??????? p??pe? ?a e??a? ?a? ? p??ß??µat?sµ?? µa? ??a t? p?? ?a d?aµ??f??e? ? t?µ?a? t?? s??e??at???? p?st?t???? ?d??µ?t??. ?? p??pe? ?a f????µe ap? t? µ??t??? t?? p????? ?a? µ????? ?d??µ?t?? ??a ?a p?µe st? d?µ??????a ????? ?a? µe????? ?, a??µ? ?a?, µ?a? ??a? µe????? ???pe?a?.
??, µe ????????st??? ?e?t?????a t?? t?µ?a e???e?te t?? p??a?? ???e??? a?ta????sµ??, t?te ?p???e? ? p??stas?a µ?s? t?? ?p?t??p?? ???stas?a? t?? ??ta????sµ??.

? e?d??µes? ???es? t?? ?p?t??p?? ??a ?? ?????? t?? ??ape????? ??µ?a, ?atade????e? p?? t? ßas??? p??ß??µa ?ta? pe?ate?a??? s??se?? sta ??????t??? S?µß????a ?a? ?? p???t???? pa?eµß?se??. S?µf??e?te µe a?t?? t?? ?p???;
?e? s?µf??? ?t? a?t? ?ta? t? µe?a??te?? p??ß??µa st?? t?ape???? t?µ?a.  ?? ?t? ?ta? µ???? t?? p??ß??µat??, ????????ta? t?? t?p? µa?, p??a??.  ?? t??pe?e? ß?????a? se µ?a ?s??µ? s??????a – ??????µ??? ???s?, ????eµa ?µ??????, d?µ?s????µ??? ts????µ?, ?a??st???s? st? d?????s? ?a??? p?? ??e?a? ?µes? ??s? ??p.
Sa? ?e???? s?????, ??a ap? ta p??ß??µata p?? a?t?µet?p????µe s??????? ?? ???t?? ?a? ?? ???????a se ??e? t?? e?f??se?? t?? d?µ?s?a? ????, e??a? a?t? t?? p??s????s?? µa? ap??a?t? st? d?ap????.  ??t? pa???s???eta? pa?t??, ??? µ??? st?? t??pe?e?.
?p?p???? a? ?p???a? ? ??? fa???µe?a d?ap????? ?a? pe?ate?a??? s??se?? st?? t??pe?e?, e??a? ??µa t?? ep???at??sa? ???t??p?a? ?a? ????t???a? t?? at?µ?? p?? t?? d??????sa?.  ??ste???µe ? ?e????µe ?t? a?t?? p?? d??????? t?? t??pe?e? e??a? ??t? sa? s??pe?-??µp???te??.  ?e? e??a?.  ???? ?a? d???? µ?sa st? ????????? p?a?s?? p?? ???? ???µe ?a? d???µe.  
T????µe ?s?????? ?esµ??? ?a? t?? ?s???? ß????s? ??????, ??? ap??? ?a ?esp?s??µe epa??e?? ?a???e? eta?????? d?a??ß????s?? – ?p?? a?? t? pa???sµ?? ep??e??e?ta? a?t? t? st??µ? – a??? ?a t??? efa?µ?s??? µe t?t??? t??p? ?ste ?a ?a???e???s??? s??? s??? t? s?st? ????t???a.
?e ???a ????a, t? ??µa t?? d?ap?????, t?? pe?ate?a??? s??se?? ?a? t?? p???t???? pa?eµß?se?? p??pe? ?a a?t?µet?p?ste? µ?s? t?? ?esµ??.  ?e? e??a? ??µata ??µ??es?a? a??? a??a??? ????t???a?.  ???, te????, ???µ????µe t?? a????p??? s?µpe??f???;


??e? pa????e? ? ep??? t?? p??s?p???? t?ape??t? ?a? t?? d?ap??s?p???? s??se?? µeta?? t?ape???pa?????? ?a? pe?at??;  ??se???µaste se ??a p?? ??f?a?? ?a? a?t?µat?p???µ??? pe??ß?????;
??t? a???? ed? ?a? 20 ?????a ap? d??f????? «guru» ?a? ?µ?? a??µa ?p???e?!  ?????saµe st? pa?e???? ??a d?ad??t?a??? t??pe?e? ????? ?atast?µata.  ??e? a?t?? ???e?sa?! ? p??s?p??? s??s? pe??t? – t?ape??t?, de? ??µ??? ?t? ?a pa????e? ??s?ast??? p?t?.  ???a? apa?a?t?t? ?a? se ?a???a t?ape???? s?st?µa de? pa?at??????e t? fa???µe?? t?? aµ???? ap??s?p?? t?ape?????. ?a µ?? ?e????µe ?t? ?? p??s?p???? s??se?? e??a? a?t?? p?? ?????? t?? ???????a p?? a????p??? ?a? µa???? ap? t? ??????a – ? ???at?? s?? ? ??? µ??.
??t? p?? a????e?, ?µ??, ?s? pa???s?????ta? p??ß??µata ?a? st?eß??se?? p?? ß??pt??? t? ????? ?a?? ???? d?ap??s?p???? s??se??, e??a? ? ????????sµ?? t?? ap?f?se?? st?? t?ape????.
?? t? p??pe? ?a µ????µe st?? ??p?? e??a? ?t? ?ta? ? f???? s?? ? ???st?? s?? t?ape?????,  s?? a????e? ??a d??e?? ? µ?a s??a??a?? e??a? d??t? ??e? ?a? µ?a ?p?????s? st?? ???a??sµ? p?? e????eta? a??? p??a?? ?a se p??state?e? ?a? es??a µa????????a.  ?a????????a s?µf??e? ?a? st?? t??pe?a ?a? st? da?e???µe?? ?a e??a? ?a? ?? d?? ß?ßa??? ?t? t? d??e?? ?a ap?p?????e?.

? ?? ap?f?s?se p?? t? ????eµa ?ata??se?? p??a? t?? 100 ???. e??? ?a ap?te?e? µ???? t?? ??s?? ??a p??ß??µat???? t??pe?e?.  ??saste t?? ?p???? p?? ? ??s? p?? ep?ß?????e st?? ??p?? ap?t??ese ??a pe??aµa t?? e???pa??? eta????;
??ste?? ?t? ? ?? p??e ????? d??µ? ßas?sµ??? se µ?a ?e???s? t?? p??ß??µat?? p?? µp??e? ?a fa??eta? s?st? sta ?a?t??, a??? ??? st?? p?a?µat???t?ta.  ?a? e????: ? ????p? ?e??e? ?t? ?? ?ata??te? µe p?s? ??? t?? 100 ???. e??? e??a? ?µpe???? sta ??????µ??? ?a? d?a??t??? e?e?d??e?µ??e? ???µat???????µ???? ???se?? ? ????? p??sßas? se t?t??e? ???se?? µ?s? «s?µß?????».   ?t? ????? a??et? p????f???s? ?a? ???se?? ??a ?a ep??????? t?? t??pe?? st?? ?p??a ?a t?p??et?s??? t?? ?ata??se?? t???, ?t? µp????? ?a ap?t?µ?s??? t?? ???d??? t?? ???e ?d??µat?? ??p ?a? ?t? µp????? ?a a?a?????s??? ?t? µ?a t??pe?a p?? p??sf??e? p?? ???? ep?t???a e??a? µ?a t??pe?a µe, p??a???, p?? ???? p??f?? ??s???. ?a? ??a, ?at? t? ?????? a?t?, af?? ??a?a? ?a??asµ??? e?t?µ?s? ?a? af?? e??a? ?a? ?f??? t??? ?µa???? ?a?????, ?a p??pe? ?a a?a??ß??? ?a? t? ??st?? t???? ?at???e?s?? se p??ß??µat????? ?a?????. ??t? e??a? µe???? sf??µa.
??te e?pa?de?t??e ? µ?s?? p???t?? ?t? ? ep????? t??pe?a? ??a ?ata??se?? ??e? s?µas?a;  ??? µp??e? ?a a?a??se? ? µ?s?? ?ata??t?? t??? ???a??asµ??? ?a? ta ??????µ??? ded?µ??a µ?a? t??pe?a?;  ???????st? ? µ?s?? ?ata??t?? st?? ??p??, ? ?p???? de? e??a? ? ?esµ???? ?ata??t?? se a?t??es? µe t?? ?p????p? ????p?. ??t??eta ? p???te?a ??e? d?se? t?? e?t?p?s? ?a? t? µ???µa st?? ?ata??t? ?t? t?? p??state?e?. ??t?? e??a? ?a? ? ????? p?? ??µe ?t? ?? t??pe?e? ep?pte???ta? – ??a p??stas?a t?? ?ata?et??. ?a? µet? ??µe ?t? ? ?ata??t?? ?fe??e ?a p??s??e?.  ??t? e??a? pa??????.  ???? p??? µe????? ?esµ???? ?ata??te? p?? ????? t?? ?p?d?µ? ?a? ???? ?? p?? µ????? ?d??te?.  ?a? ???? ? p??sßas? sta st???e?a µ?a? t??pe?a? p?? ??e? ? ep?pt??? a??? ?a? ???? ? p??sßas? t?? ?d??t? µ?????ata??t?. ? ?????? t?? ????p?? «?ata??e?» t? ?esµ? t?? ?p?pt? ??a p??stas?a t?? ?ata?et??.  ???a? pe??p?? t? ?s?d??aµ? t?? ?a µ?? ????µe ??e??? fa?µ???? ?a? ?a ??µe «? ?ata?a??t?? ?a f???t?se? ?a µ??e? ??a t? f??µa?? p?? ?a a????se? ? ?fe??e? ?a p?e? st? ??at?? ??a s?µß????».
?e a?t? ?p???, p?ste?? ?t? ? ?ata??t?? de? p??pe? ?a a?a?aµß??e? ?a???a ??st??.  ??? ?ata??t? ?a p??pe? ?a t?? ?e?????µaste ?p?? t??? epe?d?t?? – se ?at?????e? ??? a?????a µe pe????s?a?? st???e?a ? t? ???? t?? ?ata??se?? t?? a??? µe ß?s? t? ???s? ?a? a?t????? t?? sta ???µat???????µ???.  ?? ?ata??se?? t?? µ? e?e?d??e?µ???? ?ata?et?? ?a p??pe? ?a ?a??pt??ta? p????? a?e?a?t?t?? p?s??, ? ???pe?a ?a p??pe? ?a p?????e? se a?t?? ??a p?? ?aµ??? ep?t???? af?? ?a e??a? asfa??sµ??e? ?a? ?a p?????e? t? d?af??? t?? ep?t????? st? s??e????t??? ?ata??se?? – t? ?aµe?? ???stas?a? ?ata?et??.
?p?p??s?eta p?? ???e? ? ????p? ?a t?µ???s??µe t?? ?ata??t? ? ?p???? de? ??e? ???e? epe?d?t???? ep?????? (?p?? t??a ?? ??p???? ?ata??te?) p?? de? µp????? ?a d?a????s??? ta ???µat? t??? ?a? ? ????p? t??? «pa??de?se» st?? ??p??.  ??t?? de? µp????? ?a ????s??? ta ?eft? t??? ??a ?a ap?f????? t?? ???d???.
?? ?at? p?s? ? ??p??? ?ta? ? ??? ??a pe??aµat????, de? µp??? ?a t? ??????? µe ßeßa??t?ta.  ?p? ta ?e????ta ?a? ta st???e?a fa??eta? ?t? ?? ????pa??? p?ste???? se a?t? t? µ??t??? ?a? ??a, st? µ?a?? t???, de? ?????? pe??aµa.  St? t???? ?µ?? ?ta? ? ?st???a ?atade??e? ?t? a?t? ? s??ta?? de? d???e?e?, t?te ?a ??µe ?t? ?ta? pe??aµa.

G?a ?????a ???? ??t??sa? µe??s? t?? ep?t?????.  ? ?e?t???? e??d?se ??p??e? ?d???e? µe t?? ?p??e? ??t? stad?a?? ap????µ???s? t?? ?ata?et???? ep?t?????. ? ????s? a?t? ?a ?d???se? se µe??s? ?a? t?? da?e?st????;
? µe??s? t?? da?e?st???? ep?t????? e??a? ep???µ?a p?????, pe???aµßa??µ???? ?a? t?? t?ape??? af?? a?t? ?p? ?a??????? s?????e? e??p??ete? t?? ??????µ?a.  ????ste, ??a t?? t??pe?e? de? ??e? s?µas?a t? ???? t?? ep?t?????, ?p?? ??µ????? ?? pe??ss?te???, a??? ? d?af??? µeta?? ?ata?et???? ?a? da?e?st???? ep?t?????, t? ep?t???a?? pe??????? ?a?????e? t? ???d?? t?? t?ape???.
S?eft??aµe ?µ?? ??at? ta ep?t???a da?e??? e??a? ???? st?? ??p??;  ??p?? ?p?????? p?a?µat???? ??????µ???? ?????;  ??p?? a?t??at?pt?????? t? ??s?? t?? ???µat?d?t?s??;  ??p?? t? ste?? ?e?st?t?ta st? s?st?µa;  ??d??? µ?sa st?? s?µe????? s?????e?;
???a? ?a d?e??t?ta? ?a?e??: af?? ????µe t?s? ???? ep?t???a da?e??? st?? ??p??, t?s? pa?????a ????, ?p?? ???eta?, ??at? de? ?ateßa????? ?? t?ape????? ????ss?? ap? t? e??te???? ?a e?µeta??e?t??? t? ???s? ??p??a?? e??a???a;  ?a da?e?s??? ?a? ?a ?e?d?s??? p????;  ?e? ?????ta? d??t? ap?? a?aµ????? ?t? p???? d??e?a st?? ??p?? de? ?a ap?p???????? ?a? ?t? pa???a ta ???? ep?t???a ?a ??s??? ???µata.  ??t? ?de??e ?a? ? a????s? t?? PIMCO  ?p?? s?µa?t??? ??µµ?t? t?? a?a???? ?efa?a??? t?? t?ape??? e??a? ap? ??p??a?? p??ß??µat??? d??e?a.  ?a? ?µ?? ??µe «de? pe????e?», ?a t? ?????? ?? ??p??a??? t??pe?e?.
T????µe p???µat? ?p?t?µ?????s? t?? ??s??? da?e??d?t?s??; ??? ?a?, ????µe s?efte? t? s??ep??eta? ??t? t?t???;  ??p?? s?µa??e? a??µ? p?? µe???e? ??µ??? ??a t?? t??pe?e? p?? ????? ?d? ad??at? ?efa?a??????? ep???e?a; ??p?? s?µa??e? pe??ss?te?? µa???????? ??at??? ß???e?a ?a? ?at’ ep??tas? ep?ß????s? t?? f????????µe??? ?a? t?te p??? ?a f??????µe ??a t?? t??pe?e?;
?? t? d??µe ?a? ap? µ?a ???? ????a.  ??????µe ???p?? ??a t? µe??s? t?? ?ata?et???? ep?t????? ??a ?a ß???????? ?? da?e???µe???.  T????µe ?a µe??s??µe ta ep?t???a p?? d????ta? st? µ???? ?ata??t? ? st?? ?ata??t? ? ?p????, ?d? «????e?t??e» p????? ? µe?????;  T????µe ?a? ???e? µe??se?? t?? e?s?d?µ?t?? t?? s??ta??????? ?a? t?? µ?????ata?et??;  T????µe ?a ap??a??????µe t?? ap?taµ?e?s? t?? ??a p?? ???? µa? ???e ?t? ????µe p??ß??µa ?pe??ata????s??;  ??p?? d??e? st?? ap?taµ?e?t? t? ?a??st??? ß??? ? t?? de???e? t? d??µ? ??a ???d? t?? ap?taµ?e?se?? t?? ap? t?? ??p??; ??p?? afa??e? ap? t? t?ape???? s?st?µa ??a e??a?e?? d?at???s?? t?? ?ata??se?? p?? ?p?????? ?d? st? s?st?µa;  ?a? ????µe ?a? t?? a???s? t?? f???????a? st??? t????? p?? e?sp??tte? ? ?ata??t??.  ???a? e????? ?a s????µat??????µe.
?a? ????µa? p??? st?? ????????sµ?.  ? ????pa??? ?e?t???? ???pe?a µa? e?s??e?ta? ?a ?????µe µe??t? ??a t?? ep?pt?se?? p?? t?t??a p???? ?a ??e? st? t?ape???? s?st?µa ?a? st?? ??????µ?a.  ?e ??µ?? t??p? µa? ??e? ??a ????????sµ?.  ?a? eµe??;


G??eta? p???? ????? ??a t?? ELA t?? ?a????. ??te ?e??e?te p?? ? s???e???µ??? t??pe?a ?p?epe ?a pa?se? ?a ?aµß??e? ??ta?t? ?e?st?t?ta;  
?a epa????? st?? ????????sµ?.  ?a?e?? t??t?? de? ??e? t?? p???? e????a p?te, p?? ?a? ?p? p??e? p??sd???e? d???ta? ? ???µat?d?t?s?.  ?a? ?µ?? f??saµe se s?µpe??sµata ?t? fta?e? ? de? fta?e? ? ??a? ? ? ?????.  ??te ?a µ????µe ?a µ????µe µet? ap? s?st? p????f???s?;  ????µe d?e?e???t??? ep?t??p? ?a? p??t?????µe sta s?µpe??sµata!!!  ?e? ???? ?? e? t??t?? ?a p?s? ?a? e?? st?? pa??da.  ?? a?aµ????µe t??? ?esµ???.

??? efa?µ??eta? ? ?d???a ??a a?ap??sa?µ??? ???? da?e??? ?a? d?e??????s? da?e????pt??;
?a? st? ??µa a?t?, ep???ate? ? s????µat?????a pa?? ? ?????? a????s? t?? p?a?µat???t?ta?. ???? – a????, ??ß????s?, ß???? – f???????e ?t? ?? t??pe?e? p??pe? ?a ß????s??? t??? pe??te? t??? µe pe???d??? ????t?? st?? ap?p????µ? d?se??, µe?????ta? ep?t???a, epe?te????ta? pe???d? ap?p????µ?? ??p.  S?st? ? ??s?.  ?a p???µata e??a? d?s???a ?a? ? da?e????pt?? st?? p?e?ste? pe??pt?se?? a?t?µet?p??e? te??st?e? p?????se??.  ?a? ?? t??pe?e? ?????? ?a ß????s???, e??a? ????ste p??? t? s?µf???? t???.
???? ?µ?? p??ß??µe se e?a??e??e? ?a? e?d?s??µe ?d???e? ??a ?p???e?t???? ep?µ????se??, pe???d??? ????t?? ??p ????µe s?efte? sfa????? t?? ep?pt?se?? a?t?? t?? ap???t?? µ?t???;
??? ??t?? ?? t??pe?e? ep?de????? e?e????a ?a? d?af???p???s??? t??? ????? da?e?sµ?? t?? pe?at?? t??? – ?a? p?st??te µe st?? p?e?ste? pe??pt?se?? a?t? ?????? ?a ?????? ?? t??pe?e? ??a t??? p?e?st??? ap? t??? pe??te? – t? ?esµ??? p?a?s??, ta ????st??? p??t?pa ??p t? p???????;  ???e? ?a e??a? ?? ep?pt?se?? ap? t?? a?ad?a????se?? da?e??? st?? ep??easµ? ?e?d?f???a?, de??t?? ?e?st?t?ta? ?a? ?efa?a???????? de??t??; ??p?? ?a ??s??µe t? p??ß??µa t?? da?e???µ???? ?a? ?a ??e?s??µe t?? t??pe?e? µe ep?p??s?ete? ??µ???;  ??p?? ?a ?p???e? ad??aµ?a ???µat?d?t?s?? ???? da?e?sµ??, af?? ?? t??pe?e? ?a ????? e?s???? ????te?e? ap? a?t?? p?? apa?t???ta?  ??a da?e??d?t?s? ???? ????? p?? ???? ??µe ?t? e??a? s?µa?t??? ??a t?? a???aµ?? t?? ??????µ?a?;

?? t??pe?e? µ???? t??a ?e????sa? ?? ßas??? ???t???? ??a ?a p??????s??? se ???µat?d?t?s?, t?? e????s? p?? ?a e??a?.  ? p?a?t??? a?t? ap?de?????e ?atast??f??? e?d??? se pe??pt?se?? p?? ?p????e???ta? a????ta.  ??? a??????? p???? ta ???t???a da?e??d?t?s?? ?a? p?te ?p??????ete ?a a??????? ?a?? ?? ??????e? t?? da?e?sµ??.  ??p?? ?? ??????e? e??a? a????t?? a??? e??a? ?de?a ? de?aµe??;
?a?, e??a? a???e?a ?t? sta p?a?s?a t?? e?????????sµ?? t?? t?ape????? p?a?t????, ? d??at?t?ta ap?p????µ?? e??? da?e??? ?p?epe, p??pe? ?a? ?a p??pe? ?a e??a? t? p?? ?s???? ???t???? ??a t? ???? ap?fas?? da?e??d?t?s??.  ???? p??pe? ?a a????e? ?a? ? ????t???a t?? da?e???µe??? µ?s?? ??p???? ? ?p??a e??a? «G?at? de? µe da?e??e?? af?? s?? ??? ß??e? ?p????? t? sp?t? µ??/????f? µ?? ??p».  ???pe? ?a? ?? d?? p?e???? ?a a?t???f???? t? ??µa.
?s?? af??? st? da?e?sµ?, de? µp????µe ?a a?aµ????µe ?µa??p???s? t?? s??????? da?e?sµ?? ??????a.  ???µe se a??µa?e? s?????e?.
? ?e?st?t?ta a?t? t? st??µ? e??a? pe?????sµ???.  ?? ?ata??se?? ????? t?s? f???? ?a? ?? pa?a??? da?e???µe??? de? ap?p????????.  ?p? p?? ?a ß?e???? ta ???µata;
?a????????a ef?s?? ??s??µe ta ?µesa p??ß??µata p?? s?et????ta? µe t?? a?a?efa?a??p???s? t?? t?ape????? s?st?µat?? st? s????? t??, t?? a?t?µet?p?s? t?? p??ß??µat???? da?e???, ????µe staµat?se? t?? pa???? t?? ?ata?et?? ?a? t?? ep?pt?se?? t?? st? ?e?st?t?ta t?? t?ape??? ??p ?a? p??? ap’ ??a ?ta? ?p???e? ??t?s? ??a ???? da?e?sµ? – e?te ap? ep??e???se??, e?te ap? ?d??te? – t?te ?a d??µe ?a?????? da?e?sµ?.

 ??? p?ste?ete p?? ?a e??a? t? t?ape???? s?st?µa se p??te ?????a;
???e ? ep??? p?? ?? t??pe?e? ?a? ?? t?ape??te? ?a????ta? ?a p??s?e??????.  ?a fte?? t?? ??a??? ????? ?d? ???se?…  ?? µe????? ???µ?? a???s?? t?? da?e?sµ??, ?p?? ?? t??pe?e? s??a???????ta? p???? ?a da?e?se? p?? p???? ? µe p?? ?a?a???? ????? ????? pa????e? a?ep?st?ept?.  ??e???eta? ? ep?st??f? st? ?e??µe?? «a???s?a» ? «ßa?et?» t?ape???? (boring banking).  ? ep?st??f?, µe ???a ????a, st? pa?ad?s?a?? µ??t??? d?ast????t?t??, d??ad? t?? ep????t??s? st?? ßas???? ?e?t?????e? µ?a? t??pe?a? µe ap?f??? t?? d?ast????t?t?? epe?d?t???? t?ape????? p?? s??ep????ta? ???? ???d???.  ??t? e??a? µ?a pa???sµ?a t?s?.  ??a ta t?ape???? ???t?a p??spa???? ?a e?t?p?s??? t? ???s? t?µ? µeta?? t?? a??????? ???d???? ?a? t?? s??t???t???? p??s????s??.