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If or when you step into a bank it is as if you go to another country sometimes.
Why you may say?!
It is all about the language and the specific terms used within financial establishments or even at the Stock Exchange. You almost need to be expert in that field to follow what they are actually talking about.
So imagine someone saying to you: "Have you thought about SIPP?"
No wonder people can be "scared & worried" about banking jargon.