The Universal Banking Model is Simply Ass Backwards - It is Self Serving on Main Street we Call these people Assholes

Products are Developed to Serve the Interests of the Firm not The Market - this is reverse evolution - think Apple vs PC  - You have to step outside the Industry Think Apple - to solve the problem -

Can't stand in a puddle and not get your feet wet,you go in one of us and come out one of them - be careful what you ask for