profit in economics Larger suppliers can borrow cheaply from the government's regular contributions, which means they have little incentive to raise savings rates to attract customers' deposits and then lend. Micron has not seen the arrival of a plentiful supply, instead saying that DRAM and NAND demand changes are long-term and sustainable. That means other DRAM and NAND providers will have similar views in coming quarters. 1. Industrial age That does not stop Mr Draghi from warning that inflation is still being affected by a sluggish wage growth, which is now much slower than the "post-recession recovery". Savers can see "good products" from these emerging Banks next year, especially in the long-term fixed bond market, says Rachel Springall of Moneyfacts.