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Would you care to elaborate? No top up loans, etc?

Much of the EU has a reserve rate of 0.05%, Sweden and Japan are both on 0% and Switzerland is at -0.75%! Sure, they're not doing as well economically as they'd like to, but I'd argue that they're not in the toilet either. http://www.tradingeconomics.com/country-list/interest-rate

My guess is 0.2%, which would be over $2k for me per year and about another $1k from November onwards (fixed rates running out).