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Will banks pass on the cost of negative interest rates to their customers? Martin Wolf, from the Financial Times, asks Shriti Vadera, chairman of Santander Bank in the UK, if she would start charging customers for holding their deposits rather than paying interest on them. Plus Mervyn King, former governor of the Bank of England, explains why lowering interest rates too far may be counterproductive. (Photo: Euro notes being taken from a cash machine. Credit: Vladimir Rys, Getty Images)