"Substance is that the smaller bank could pull the plug"
^^^^^
Duuurrr.
This aint substance, its just an expression of your sentiment for a negative outcome from amongst the many that are possible, some COULD be quite positive.
We know this already.. Moreover, the banks who could lose big time also know this. If WestlB wants out, the other banks will throw good money at even better money to survive.
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"Substance is that the smaller bank could pull the plug"...
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