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RBS is more honest than C and BAC -- it is more honest than the United States/ Obama Administration -- and has just today announced the decision to split into a "good bank/ bad bank." This is what Japan failed to do during its 10 year economic malaise tied to banking and real estate. This is what Obama economic geniuses like Geithner and the Federal Reserve are adamantly refusing to consider in their hubris and arrogance, thus leading to more pain for the USA banking system and USA real estate market in the forseeable near term and intermediate future.