PAGE 18, WEDNESDAY, APRIL 16, 1986, WHITBY FREE PRESS Opinion.. Will'banks respond' to poor -marlks?9 By Tony Cron change when we grow up and about a lack of expertise in ather bankers, as reported in centralized commercial bank- the faci thai the Royai's rate is ni You con tell o lot about a head outi mia the real world? commercial lending and insen- the daily prisa, was nat as ing units-their successes dissatisfaction raie had also But ma student by is reactian toas bad The issue arises in the after- sitive policies, the Fedieratian strident. wouid have largely offset the risen. Thc Royal may have aio the bar report card. math ai the release ai a study uncovered evidence af banka Sevcrai spokesmen, partlc- negatives ai a ighter economy. corne oui an top af the beap, surprised Thse more mature ones wil by the Canadian Federation afi'gauging customers with exces- ulaly In Western Canada, We cauld have baped for ai but it's a pretty limited heap. and man) take the criticisrn and use itot Independient Business on ser- sive service fees, a resuit ai the blansed the recessian, cantend- least the sanie resuits as in Some bankers pointed oui salve thc .----'- 1-si9f Mrt -rPp -t-- .1--. .-Il ,.... t. i.-iof .. t~tion n t he ing thot touais economic times 1982. that while 30 per cent ai But ir gies and priarities. Othe r ilI îry ta rationalize. ta justify. "VIes, but..." goes the refrain. Stili others will ignore tht D-rninus and tht F and point ta, the positive ted herrings: "My attendance record was perfectI', Tht question is, do wc really fran financial institutions. Tht survey ai 20,000-plus CFIB members found that more thon 3 in 10 business awner-aperators are not satis- lied witb the way tht major banks treat îhem. That's worse thon tht tesulis ai an identical survey tbree year ago. Along wiîh complaints sector. -Whally irresponsibl," tbundeted tht head ai tht banker' association ln a pub- isbed report. "Such chargea are without foundation." Wlthout fotindation? What are 20,000 persanal interviews? Chapped liver? The initial reactian from demand taugb policies. Maybe. But the ialllng levels ai satisfactian aren't limited ta Aritisb Columbia and Alberta. Thse bas are doing worse even in Ontario which bas heen relaiiveiy well off. Nat only that, but had the new banking stategies been effecive-innovatians sucb as There were other excuses. One spokesman, for tht Royal Bank, tried ta defiect tht criticisms. saying: "if we'te daing somethlng wrang, how carne we'te incteaaing aur market share?" That conveniently ignores customers are dissatisfied, 70 per cent are happy witis their banket. Truc, but thot's fewer tIsait just three years ao. Fur- theninore, a goad percentage ai firms are fattunate enough not ta be at the mercy ai banks because they dan't have loins or ather special needs. Thus, ihat 70 pet cent satisfaction this is ont Important response changes prablei We'Il yeats, wo card la du it ail it seems. aost signtficantly, mosi anks said they were not, d by the CFIB fgures ny pledged ta work ta iproblems. titil teaction suds as te thing. WIsat's mate nt la bow the banks' eshows up in pollcy iwhlcb address tise is over thse lang boul. check again in twa when tht next repart Jue. 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"Landscaping adds value ta your property and makes it more comiortable, useful and reiaxing," says Har- ticulturist Ruth Friendship ai the Ontario Ministry of Agriculture and Food's rural arganizations and services branch. But before you begin ta landscape your property, it is important ta make a plan. Decide where you would like ta add a touch of color ta your landscape with annual and perennial fiowers. Remember ta take advan- tage ai existing features such as trees, shrubs, fences, walls or hedges. Also remember ta allow space for easy maintensance af these features. Consider the site's limita- tions. Is it hot, dry and exposed or is it cool, dansp and shaded? Is the sali fertile and well- drained? Does the space re- quire taîl, bushy flowering plants or those that are low and wide-spreading? Catalogues, garden cen- tres, the Ontario Ministry ai Agriculture and Food's Publication 3511 'Herbaceous Perennials" and Factsheet #79-005 "Annuals for the Home Garden" are useful sources ai information con- cerning the growth habits and needs of many flawering plants. Heat-tolerant plants such as zinnia, petunia. verbena, marigold, portulaca, cleome and celosia should be planted in hot, dry, open areas; on the ather hand, balsam, impa- tiens, coleus and ail types of begonias thrive in shady loca- tions. Try putting aIl your ideas on paper. It is helpful ta use a scale drawing for your plan. Don't plan more than you can handie. Consider height, spread, form, texture and the color ai bath the foliage and the flowers. "Think about how the display will be viewed and ar- range the bed s0 that the law- growing plants will be in the foregraund and the tallest plants will be in the background," she says. Flowers - with same careful planning - can be us- ed ta provide color ta your landscape ail through the season. Keep this in mind when selecting and placing them on your plan. Try ta achieve a sequence of ilowering from early spr- ing ta late fail throughout the garden. Less-praminent or less- showy fiawers should be planted in groupings ta give a mare effective show. You may also mix flowers and vegetables in the same garden, if yau wish. But again, it is important ta make a plan. Atm for color ta contrast at- tractively with the vegetables thraugh the growing season. Investigate what conditions the vegetabies and flowers require and take that inta ac- caunt in your plan. Consider. the height and spread of the plants and make sure there is enough room for the vegetables ta mature and give a good yield. Ground covers ai alyssum or thyme can help contraI weeds between vegetables. Grape vines can be a pro- ductive methad ai covering a wall or fence. 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