there was some talks about rates going down, but havent paid much attention, as i have no active loans. in that pic, second from left is valery kargin. who once was owner of parex bank. government had to bail that bank out during economical crisis of 2008. spend like billion euros or smth. which for such small country was insane money. previously he was donating money to all dominant political parties, so he had good backings. and when "time came", was able to hand over that bank to government, and save his skin, so "barigas" would not shoot him. and he is still well and alive to this day, as much i know.
Latvia