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What are the difficulties that Caja faces in trying to increase their market share in the fixed rate mortgage markets and the retirement funds markets?

What are the difficulties that Caja faces in trying to increase their market share in the fixed rate mortgage markets and the retirement funds markets? What alternative does Rojas have to entice branches to sell more fixed rate mortgages and/or retirement funds? What are the strengths and weaknesses of these alternatives? Which would you recommend? Why

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