HSBC, Nationwide and Coventry building societies are the first big UK lenders to announce an increase in rates on their fixed mortgage deals as a result of the Middle East crisis, with brokers predicting others are likely to follow.
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These fees can be wild. When my PhD advisor and I published one of our papers together, the journal charged us an “open access” fee of $12,000. This arrangement is a tiny bit better than the alternative, because at least everybody can read our paper now, including people who aren’t affiliated with a university. But those fees still have to come from somewhere, and whether you charge writers or readers, you’re ultimately charging the same account—namely, the US government.5
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