Some issuers no longer provide full disclosure of the terms of the penalty rate, or fail to correctly follow disclosure requirements required by the new Federal Reserve rules.

FORBES: Many Credit Card Issuers Hiding Penalty Rates, Study Finds

This is the reason that as the years go by, more and more break outs fail and the success rate of technical patterns diminish.

FORBES: Move up http://i.forbesimg.com t Move down

Earlier, Met chief Sir Bernard called for more rigorous training of police officers with a "significant fail rate".

BBC: Tom Winsor says outsiders will 'enrich' the police service

They fail to grasp the potential benefits of a long-term fixed-rate loan because they do not understand risk properly.

ECONOMIST: No he can't

If a second-rate exchange is first to attract a critical mass of trading, even a better trading system may fail to wrest business away.

ECONOMIST: E-commerce