1. How do you suppose that the willingness of European banks to make adjustable-rate mortgage loans has...

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1. How do you suppose that the willingness of European banks to make adjustable-rate mortgage loans has been affected by the decrease in interest rates that they earn?
2. Why do you suppose that European banks that are issuing new adjustable-rate mortgage loans now add a larger intermediation charge to the Euribor to determine the loan rate?
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