H 
How can financial consolidation of manufacturing do much more than raise  
the relative price of selected manufacturing goods?  Perhaps the  
consolidation made is less necessary for the manufacturers to use financial 
intermediaries (banks) the banks suffered a lower ROI and this led to a  
decline in the financial services industry which has a "multiplies" impact  
on the economic?  How?  I am puzzled, please explain. 
 
L. Moss