Every person who is a customer of private banking agrees that banks are corrupt entities. We all say that because they charge senseless fees and spill out busy talk that nobody understands except used car salesmen. Yet, has anyone ever tried to quantify a case of RICO [1] against a bank, or the banking industry at large? We are going through a refinance transaction on our house. There are two mortgages to refinance. The first is the larger of the instruments and is the target of our refinance transaction. The second is serviced by another bank and is much smaller than the first. The second is termed the "subordinate" loan [2] . After approval of the new loan we were informed that there is a fee that must be paid to the subordinate loan servicing bank for the bank to review the terms of the refinancing agreement. In this case, the fee we must pay is $250 [3]. I complained to the "mortgage consultant" that is refinancing our loan and he conveyed his equal disdain...