Everybody is convinced that banks have huge vaults stuffed with cash, and they do. And as you follow the money - the true mantra of all financial strategy - you might want to ask what they do with all this filthy lucre. Folklore would have it that they pay their employees enough money to make them independently wealthy, although those at many European banks struggling by on apparently or at least theoretically meagre bonuses might want to argue that toss. Other than magnificent buildings, wheth

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