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I think central banks have gone too far...certainly the ECB (European Central Bank) and the BoJ (Bank of Japan) have gone into negative territory and I think there are long-term consequences for that, the closeness to the zero-bound (interest rates) basically robs savers of their ability to earn money and threatens business models, such as insurance companies and banks in terms of their margin - and certainly, pension funds in terms of their ability to earn money.

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