It’s price fixing. They all did it. They also dumped clients for bullshit reasons, knowing that since they were all doing it, and we had to go somewhere, they’d pick up as many clients as they lost but at a higher rate. This is why every corporation lobbies against regulation, the “free market” is bullshit, always has been. They all collude at the top, they all sit on each other’s boards, they’re all in bed together, and they’ll rape us anyway they can. The only regulations they want are laws that require people to buy their products.