Hi Kate,
Thanks for your comment. Yes, we are targeting people age from 50 to 65. According to Pew Research Center, only about half of the population within this age group own a smart phone in America. Therefore, our idea is to provide them the opportunity to own an smart phone for a low cost so that they can have access to technology for online/mobile banking.

Thank you! Penny starts wanting to downsize her house about a year ago, and she is still looking for a solution for it. I don't think she would be traveling in her 80s or 90s. She is 56 years old now, and I think she would be traveling for the next ten years if health permitted.