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Copper being you have worked for a major bank. I understand you most likely have 1000% better idea of what happens in banks then me. My only gripe with them is they have abnormally large profits. Which when compared internationally is well above those else where ( when you consider our small population. I realise overseas banks make alot more overseas but I'm talking about economies of scale).

I suspect though, being you worked for a bank youll you may have a bias like me and when people claim tradesman charge to much and have to many RDO's ETC ! To that I say damn it we deserve it! RDO a fornight and where still mostly working 50 hour weeks! lol.