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Back in London, Max Keiser and Stacy Herbert discuss negative savings rates on the way for retail savers in Europe because banks no longer need deposits nor do they need to make loans – in other words, they are no longer really banks. In the second half, Max interviews filmmaker, blogger and author Kerry-anne Mendoza about her new top-selling book ‘Austerity: The Demolition of the Welfare State and the Rise of the Zombie Economy’.