yes,that, and something else has got there attention in the apearance of a new demographic, who remember bieng in a bank once as a child with a parent, do have online banking, that is only used to cash out random deposits from all over, live in upscale areas, debit/credit purchases limited to essentials, and can be heard laughing about how quaint money and banks are in almost any hipster coffee shop anywhere. relevance, and the future proofing of that likely that a significant number of bank employies have the bulk of there portfolio.....elsewhere