It was the current fad; savers switching out of their deposits, where lousy interest rates earned roughly half of five-eighths of bugger-all, into overpriced bank shares. Admittedly, Australian interest rates are better than in Switzerland, where they charge you for looking after your money, but the bank share fad has cost investors even more in capital losses as the stock market latest fashion is to knock down banks share prices due to worries about their capital requirements under the new prudential constraints – along with some concerns about future dividend rates in view of our slowing economy.