As you have read, and may agree, “the large number of banks in the commercial banking industry and the absence of a few dominant firms suggests that commercial banking is more competitive than other industries”. Yet many of us prefer the “Thrift Industry” selection. Why? Which institutions do you prefer and why? Are others in this class using different financial institutions than yourself affecting rates you receive? How did you decide on where you bank now, and why is it better than everyone else’ choice? What are the rest of us missing?