Hey Freddy! I love the personal touch that your idea brings to electronic banking, very clever! It's a touch more personal than what I was proposing with a web app, which may be a much better stepping stone in building trust in people who are not used to the idea of financial institutions not having a human face. I was wondering, and this is something I've been mulling over with my own idea as well, how would you consider staffing a service like this? Would you use IT professionals like yourself who happen to have experience in financial institutions, or would you opt for using experts in finance and training them to improve their technical skills?