When someone came into the bank we could tell them about Internet banking, but we had to ask them to go home to sign up on their computer.

If we see an upward trend in delinquency ratios, we tighten our lending, but we have not had to do that.

One of the reasons is when I look out my window I look straight at a Bank of America.

Right now, employees just leave a message saying they won't be in today.