Amen, Andy. BTW, why does anyone bank at these uber-huge banks? They treat customers like crap and deliver the poorest service.

I was sold on small town banks when I was in college. I wanted to buy a new car and talked with the bank prez, a former high school classmate's dad. I had half the money, wanted to make monthly payments until I returned to school, and make no payments until after I got a job the next summer. Without looking up anything he said, yeah, that shouldn't be a problem, and I made my first ever credit purchase. Sometimes I wish I still had that car.