Thank you for sharing this insightful article by David Schawel. It provides a thought-provoking analysis of the challenges that banks and insurance companies face in a low-interest-rate environment. It's crucial to consider the long-term implications of these conditions on financial institutions and their profitability. The article highlights the complexities and uncertainties surrounding the future of interest rates and how they impact these businesses. It encourages readers to think critically about their investments in the financial sector.