http://www.wsj.com/articles/less-than-zero-living-with-negative-rates-1449621094 Less Than Zero: Living With Negative Interest RatesThere is some good and bad in the upside-down world of negative interest rates, but how this scenario will play out is anyone’s guessENLARGEThe Swiss National Bank in Bern. The central bank has a deposit rate of minus 0.75%. PHOTO: GIANLUCA COLL..