thank you...as in the emperor is not wearing clothes story....the banks have got it wrong and trying to protect their legacy systems is a loosing battle.....As a former banker ...the clearest sign that the banks have it wrong in a big way.... is seen in their exorbitant branch network ...they know that more than 50% of their newest customers will NEVER walk into a branch...yet they continue on the branch strategy....someone needs to get into mega bank's board meeting and move around the personalized coffee cups just to get their attention....thanks Mark fix it please