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A de-escalation technique
In our struggle for constructive communication, much frustration comes from the failure to listen. This brief article addresses this subject. A brief group exercise is included for a facilitator to carry out in a small staff meeting.

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ESCALATION AS A NEGOTIATION STRATEGY
Escalation can be a highly effective negotiation strategy. Having unlimited authority in a negotiation can seem, and is, powerful, but it can be equally dangerous. If your client thinks that you have unlimited authority, he or she can read that as a green light to keep driving for more.

We had TARP for residential, now comes commercial
The residential collapse has contributed to a record number of bank failures. Now banks are seeing commercial lending problems rise, centered around commercial real estate. Bankers, industry analysts and observers widely expect first-quarter 2009 data — scheduled to be released in the next few weeks as part of many lenders’ first-quarter reports — to signal a continued escalation in loan defaults from all forms of commercial borrowers, from the real estate at office parks, shopping centers and commercial building space to more traditional business borrowers. State banks, according to Federal Deposit Insurance Corp. data, reported a 15 percent increase in non-farm, non-residential loans — the regulators’ definition for all commercial loans — as nonaccrual loans within the last 90 days of 2008.

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