InterceptEFT: Blog
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Maybe you need to clear your head. There are several ways that we can bolster our ability to think clearly and increase our learning potential. The first way is to take a walk.
Walking is not only good for your physical health; it helps your mental health as well. It increases blood flow to the brain and delivers the oxygen and glucose it needs to work better. Aerobic exercise is better for your brain than exercises that are more strenuous because the more intense workout causes muscles other than the brain to use more of the oxygen and glucose.
A study at the University of Illinois found that those who walked up to 45 minutes per day improved their ability in processes such as planning, scheduling and working memory. Another study found that more oxygen and glucose delivered to the brain helped people subtract faster and helped expert Tetris players play even better; but that is probably only good news to people who subtract a lot or play Tetris.
Walking can also affect the Hippocampus. No, I don't mean the mythical sea horses that pulled Poseidon's sea chariot. They are sea creatures and obviously don't walk. I mean the major component of the brain that plays an important role in long-term memory. It is also one of the first regions of the brain to suffer damage by Alzheimer's disease.
A study of how aerobic exercise affects the hippocampus at the University of Pittsburgh indicated that aerobic fitness is associated with an increased hippocampus volume and translates to better memory function and reduces the risk for developing dementia.
So, the next time you just can't wrap your head around a problem or idea, walking may be just what you need to clear your head, improve your memory and increase your learning ability. Then come back and see if you can make a six-legged walking robot from Lego.
by Mary Wigtil (Quality Assurance Manager), July 19, 2010 I was at a Women's Health Summit about a year ago and one of the speakers talked on the importance of smiling. She mentioned you may actually improve your mood by a simple smile. She had us do an exercise where we were told to smile for 14 seconds, (give or take a few-it was a year ago) the smile could even be a "fake" smile. This act of smiling actually makes you feel better by releasing endorphins which give you a sense of contentment. One article I read said to keep on smiling for at least two minutes and it will become natural and genuine.
Another article I read gave some interesting points on smiling:
- Younger people smile more than older people
- Women smile more the men
- Even "faking" a smile can lead to feeling happier
- A smiling person is judged to be more pleasant
- A smile is a universal expression of happiness and recognized as such by all cultures
This action as simple as that just may improve your spirits so you can accomplishmore. stressless.
Enjoy your day!
by Renee Bourdeaux (VP, Communications & Marketing), July 12, 2010 Do you love your job? I do. I always have loved whatever job I've had. The windy road of life has blessed me with the opportunity to explore different jobs. I've been a hostess, a waitress, an attendant at Jiffy Lube, a cashier, and a Board Member just to name a few, and I've directly and indirectly supervised anywhere from zero to over 200 employees. Have there been days when my job was not so fun - you bet. But, have I always loved my job? The answer is still yes.
For me, a job is not defined by the things I am "in charge of" but instead by the "cool things I get to do" everyday. Every position I have ever had has given me the ability to learn some pretty cool things. For example, I have super skills on a calculator from when I added hundreds of checks as an assistant office manager. And, I know how to change a transmission filter from working at Jiffy Lube. Oh, and a really cool skill I learned while waitressing was carrying a huge tray of food on one shoulder while carrying a tray of drinks in the other hand. But, in addition to these fun skills, I've also learned how to be a friend, how to be a mentor, and how to be a leader.
Ultimately, you decide whether you are happy or unhappy about your job. I choose to be happy. I'm happy when I'm doing super fun things. I'm happy when I'm doing not so fun things. There will always be challenges in your life - at work and at home. Approaching challenges with a positive attitude, and learning from the challenge and from others who are going through the challenges, too, can only make you a better person.
Do you want to love your job, too? Promise yourself to see every challenge as an opportunity, and promise yourself to love your job! Attitude truly is everything... and it's contagious. So what are you waiting for?
by Pramita Sen (Marketing and Sales Associate), July 5, 2010 Over the past few weeks, I have read various articles about the depleting need for press releases. A few weeks ago, I watched a video which mutilated a press release...with a panda. It is a fact that the value of traditional media has been diminishing, and newspaper and magazine circulations are having a hard time to meet their goals. However, online newsrooms and publications portray a completely different story. It is an industry habit for every publication to have an online forum available for its readers. An online forum enables a broader reach and also facilitates an open discussion among its readers.
But, does this mean that the era of print publications is over? Should businesses avoid investing time and money into press releases, print interviews etc.? I beg to disagree...at least for now. And, this is only because I can guarantee you that the entire population of the world has not yet adapted to social media and online news forums. Some will argue that the trend is changing, and everyday the online population is rapidly growing. I believe that, but I will certainly argue that this organically growing online population has not committed to be exclusive yet. When that happens, we can certainly kiss print media goodbye. Until then, indulge in press releases and print articles....but, please do so in moderation. Research your target market, analyze the best way to reach them and balance your media mix!
by LeAnne Wilcox (Risk Analyst), June 28, 2010 No doubt, Direct Deposit and Direct Payment transactions via ACH make life much easier than doing business via check. It's convenient, safe and saves both money and time for both the sender and receiver.
What some companies don't realize, however, is that there is credit risk involved. Some people think ACH is similar to credit and debit transactions, where the transaction doesn't take place unless there is an "authorization" given by the debtor's bank. ACH transactions actually happen without such "authorization" thus creating risk. ACH credit risk is the risk that a party cannot provide the contracted funds necessary to settle the account. In other words, the originating bank is exposed to credit risk between the time it releases the ACH file to the Federal Reserve until the originator funds the account.
Because of this risk, most transactions are pre-funded, meaning that the funds from the debit are held for a set number of days, before the credits are released. Another means of risk mitigation is to hold a reserve at the bank or processing company. Many times, the company requesting ACH services is asked to provide financial information to ensure they have the financial capacity to cover the credit risk.
To give this a real-life example, let's take a look at direct deposit for a payroll. The funds for the entire payroll are debited from the employer and credited to the employee. The debit to the employer will take two (2) full business days to clear the employer's bank to ensure that the debit is not returned for NSF issues, account closed, or other issues. If the employer is debited on Thursday and the employees paid on Friday, the Originating Depository Financial Institution risks that the debit will be returned when the credits have already been released.
While the ACH network does carry risks, the advantages of the system are plentiful. With appropriate mitigation, both the sender and receiver of ACH transactions can reap the benefits from the secure, efficient and cost-effective system of the ACH network.
by Robert Mattson (Marketing and Sales Intern), June 21, 2010 The idea people don't buy what you do, they buy why you do it was first introduced to me by a motivational speaker. He looked at the most influential people and organizations and described how all of them act and communicate by first asking why they do what they do.
Stating what you do is a clear and well understood explanation of your organization's products and services. Consumers can easily compare attributes of different offerings and clearly weigh their options. The problem with just describing what your organization does doesn't inspire your audience.
"Martin Luther King didn't have a plan, he had a dream".
The hundreds and thousands of people that stood in the streets to protest for a human rights movement didn't do it for Martin Luther King as an individual but for the belief in his dream. People need to align their beliefs with similar beliefs to avoid cognitive dissonance - "the uncomfortable feeling of having two contradicting ideas simultaneously".
Understanding consumer behavior is a difficult but very important concept to grasp. If you were to think of an organizational leader in innovation, you may think of Apple. If Apple was like everyone else, you might have considered purchasing an MP3 player made by Dell instead of Apple's iPod. What makes Apple so unique is their dedication to challenge the status quo, and their belief in thinking differently. They don't tell you what they offer and why you should buy from them instead they tell you why they challenge the status quo and how they think differently to make the right product for the right people.
I strongly believe in the concept of asking why instead of what because it gives me a sense of security in my actions and decisions. Having strong internal motivation for a particular purpose conveys through to your audience and gives them a "feels right" sensation. Consumer can relate with these beliefs and "feel right" about choosing your products and services. In conclusion people don't buy what you do; they buy why you do it.
by Danna Roen (Marketing and Sales Intern), June 14, 2010 When I was younger, my dad had a cell phone the size of brick, but I never saw him use it. Every night my family ate dinner together; while we were eating, the television was never on, and no one answered the phone if it rang. As more things in my life continue to change, the more often I reminisce about what used to be. When did video games replace soccer practice? When did the digital "I love you" become the norm?
Times have changed. With the onset of social media there is great opportunity, but the potential trade off is detrimental. In the past, technology was primarily used in the professional world, and has inevitably seeped into our personal lives. Because there is never enough time in the day, technology comes into play, providing us with the means to be efficient. But with new opportunities there is usually a trade off. Human interaction takes the toll. Thanks to self checkouts, emails, and online catalogs it is possible to go through an entire day without any good old fashioned face to face communication.
Where is life headed? Technology offers us venues to thrive and evolve. But what are we evolving into? I urge you to proactively fight the natural tendency to embrace the technology wave. Be conscious of your priorities, and the impact of day to day human contact. So tonight, be old fashioned, have no cell phones at the dinner table and enjoy the meal surrounded by people you love.
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- Be prepared to listen. Try to focus only on what is being said and not on how you are going to respond to what a customer is saying.
- Be courteous and don't interrupt when someone is talking, because you may miss some important information or your customer may lose track of what they are saying. Take notes if you are worried about forgetting something.
- Listen carefully and pay attention to body language and tone of voice. Your customer may not be communicating exactly how they feel.
- Ask open ended questions that require the customer to answer more than just "yes" or "no" to help you identify what your customers' needs are.
- Summarize or repeat back the important points to the customer to make sure you understand what they are asking for after they have finished speaking.
by Matt Hauff (National Sales Rep.), Apr. 19, 2010 Most everyone either knows an entrepreneur (or one who claims to be) or at least could give a definition of one. My guess is, however, that most have never heard of an intrapreneur; much less know someone who has the title's traits. An intrapreneur is simply one who exhibits an entrepreneur's behavior while inside a corporation. Contrary to popular belief, you do not need to be out on your own, creating the next widget in your garage to be an entrepreneur. Corporations live and starve for new and innovative ideas and ways to improve their company. Nearly all company's methods of operation or products become dated and stale over time. Innovation from the inside is imperative.
Apple Inc. is probably one of the best examples in our corporate world where intrapreneurship is essential to the market share and sustainability of a company. Shareholders and the public alike have been trained to hype up in anticipation for whatever new product Apple will come up with each year. When they hit their mark, their shares soar. When their product is not innovative enough, down they go. Steve Jobs cannot create all of the ideas, so it is up to the rest to be innovative and intrapreneurial.
For years 3M, Inc. has seen the value in encouraging their employees to think outside the box. Probably the greatest idea to come from one of their employees is Post-It Notes. An employee started putting double sided tape on the back of pieces of paper and stacking them on top of each other. When this idea was brought up to management, the birth of the Post-It Note occurred. From then on, employees where granted 15 minutes of every hour to stop their normal work hour and think of ideas in creative ways.
For those who are starving and want to feed their entrepreneurial side, do not forget the company you are working for wants to hear your ideas. Who knows, you may invent the next Post-It Note idea.
by Leanne Jung (Risk Management), Apr. 12, 2010 With the expansion of ACH business transactions, especially via internet, fraud attempts are on the rise. This makes ACH risk mitigation more important than ever.
One way ACH fraud can occur is when a company with fraudulent intent gets hooked into a legitimate bank ACH network to "process payroll" etc., and then sends out fictitious charges. By the time the customers get a copy of the transactions to dispute the debit, the scammer has withdrawn all the money and left. The processor/sender of the transactions is then stuck paying for all the returned funds.
One must be cautious when choosing who to have as an ACH customer. Here is some advice and precautions:
- Pre-screening clients - this can help catch questionable activity before it starts. Research the company to make sure it actually exists and has an actual business address. More screening is advised to be done with background checks and credit checks.
- Speak to customers on the phone - even if it is coming through the internet. Call them to verify payroll amounts, etc. That way you're covered.
- Be cautious of a new customer who is in a big rush or insists on a short window!
- If there are any red flags, offer to process on mandatory wire, five day window, or use paper checks until the relationship is established. You can also ask for a copy of the employee Authorization to Debit/Credit and a copy of the employee's voided check.
by Rick Steinwand (Web Developer), Mar. 24, 2010 Maybe you saw the new TV compaign, where our Vets are promoting clean and renewable energy sources, like E85 (85% ethanol, 15% gas), instead of going to war to defend our oil interests abroad.
Here's some fuel for thought:
- Approximately 25% of the oil we import (about a billion dollars a day) comes from countries that promote terrorism, which I find troubling. I have a problem funding terrorism, don't you?
- Although some are critical that E85 is subsidized a few cents per gallon in some states, consider the cost of war, patrolling the Middle East and the loss of life and limb to protect our interests in that area. For example, in 2007, our military used 1.6 million barrels of oil a day in Iraq. (No doubt a good chunk of the money we spent for that imported fuel funded the people we were fighting.)
- When gas prices spiked over $4 in 2008, E85 was selling for up to a dollar less in many Midwest markets. Gas prices are expected to exceed $3 this summer and the national price spread between gas and E85 is approaching 20%, according to E85Prices.com. When E85 is priced more than 20% cheaper than gasoline, you can easily save money fueling with E85.
- About 18 million flex fuel vehicles were on the road in 2009, yet a study by GM in 2008 found that 70% of flex fuel vehicle (FFV) owners didn't know they could use E85 and fewer than 10% actually did so.
- Due to ethanol's decreased need for oxygen, the miles per tank is reduced with E85. In most markets, especially in the Midwest, it is priced lower so the cost per mile is often break-even.
- Ethanol burns cleaner than gasoline, producing less smog and pollution and is promoted by the American Lung Association of the Midwest.
- For auto enthusiasts, E85 has a higher octane than premium gas (105 vs 94), is priced competitive to regular gas, and loves high compression engines. It's the perfect fuel for muscle cars from the 60's and 70's.
- Although some will try to tell you that ethanol from corn is a bad thing, new sources of ethanol are being developed that use everything from algae, cattails (the plant, silly), garbage and waste wood chips, to name a few.
- Biofuels like ethanol have been mistakenly blamed for the rising costs of food (Food for Fuel), but food costs continue to be high even when corn and ethanol prices have dropped. Many experts have stated that ethanol is responsible for only a 2 cent increase for a box of corn flakes. The rest of the increase can be blamed on diesel prices (transportation and farm), as well as market speculation.
- Don't drive a FFV? The primary difference between FFV and non-FFV fuel components is often just bigger injectors on a FFV. There's a number of E85 enthusiasts that have used E85 in non-FFV's for years without a problem. Conversion kits are available for under $400 for most vehicles.
- The ethanol content of regular pump gas varies from state to state and is usually 0% to 10% ethanol. Research shows that many non-flex fuel vehicles get the same or better mileage with 20 to 30% ethanol (E20/E30) compared to unleaded gasoline.
- Check if you already own a FFV. (Remember a FFV can use at least 85% ethanol, but most non-FFV's can use up to 40%, sometimes 60%.)
- Locate the nearest E85 stations (or blender pump, if you're lucky), in your area at E85Prices.com. E85 prices vary much more than gas prices so it pays to know where the "deals" are.
- Don't have a FFV? Many people start by mixing E85 with regular gas (or pump E20/E30 from a blender pump) to get the benefits of E85 w/o the expense of a conversion.
- Check out my Ethanol Calculators to determine which fuel is best for you.
by Greg Sagedahl (Software Engineer), Mar. 1, 2010 Garbage In, Garbage Out! This phrase can be used in a number of different fields. But, it shows up every day in the field where it was coined. Its' origins date back to the early days of computers. The phrase refers to the fact that computers will process data EXACTLY how the data was entered. If data is not entered correctly, the data won't be interpreted correctly.
There is NO intelligence factor involved to decision if data is entered correctly. The programs that you use on a daily basis have been written to have as many checks and balances as possible to help make data entry easier and more precise. But, the programs will never catch all bad data coming into the system. The systems can be designed to validate entered data against formatting, length of field, character inclusion or exclusion, value of field, and much more. But, even then a value can pass the validation test and not be correct.
This can be very costly in the ACH or Credit Card networks. If you key in a credit to a routing number that is a valid number, but it is not your routing number, you could risk sending that money to an account that isn't yours and never get it back. There are literally hundreds of scenarios that I could run through that would be very costly to you.
So, remember, before you blame the computer for not giving you the answer you are looking for. Check your work and then re-check your work. Computers don't make the mistakes, humans do. Computers only do what they are told to do. Trust me, being a software engineer can be mind boggling at times, too. For instance, last week I miss-spelled a variable that I was using and the program wouldn't work the way I wanted it to. It works on both sides of the software, the Graphic User Interface that you see, and the code that I see. When you give systems garbage to interpret, the systems will give you garage back.
by Addie Henschel (Sales & Marketing Support), Feb. 17, 2010 You've made the decision to be a more environmentally conscious company. Where do you start? While there are many things you can do, here are a few things InterceptEFT has done to "go green."
- Recycle
Almost everything in the office can be recycled in some way or another. Set up recycling bins in common areas to recycle cans and bottles. Encourage employees to recycle paper by placing paper bins under their desks. Your local recycling company should be able to provide you with these but if you want some fun looking recycling bins, check out www.recyclingbins.com. - Turn Off Electronics
Electronics are one of the biggest electricity wasters in the office. You can help save on your electricity bill by turning computers, monitors and printers off at night. Have a certain area in the office where no one goes yet the light is always left on? Look into motion sensors for these low-traffic areas so the electricity isn't wasted. - Go Paperless
Save time and money. Reduce your costs by offering direct deposit, email invoices instead of mailing and pay bills online. Employees will appreciate not having to run to the bank every payday and you will get peace of mind knowing the funds are secure. Emailing invoices can save thousands of dollars per year by not printing and mailing statements. Electronic invoices also ensure you'll get paid on time, every month. If you are still receiving paper bills call and ask them if emailing them is an option.
No office can be completely paperless, but what paper is used, should be used sensibly. Here are a few things that will reduce the amount of paper:
Print double-sided
Purchase recycled paper
Re-use paper as scratch paper
Recycle
by Connie Mosier (VP Risk Management), Feb. 2, 2010 I have a friend and every time I see him and ask, "how's it going?", he responds with "could be worse". If you think about it, for the vast majority of people, that truly is the case.
- For the office worker that is getting headaches from staring at a computer monitor every day, it could be worse. He/she could have a malignant brain tumor, not just an eye strain headache.
- For the infant with recurring ear infections, it could be worse. He/she could have contracted swine flu, not just a minor infection treatable with antibiotics or insertion of tubes.
- For the soldier with young children who was injured in Iraq and now back in the US, it could be worse. He could have been killed overseas and missed the experience of raising his children.
by Deb Swanson Dilly (Administrative Support), Jan. 18, 2010 "Focus on how an individual's daily decisions add up to reveal that person's true character. We cannot cheat in the small things and expect these blemishes to never surface. When the real tests in life occur, our character will not be able to withstand the pressure because we have not chosen the harder path all along." - Melissa Kelly
First I'd like to say, "I am not a writer", which may become painfully clear after reading this!
And for those of you who know me, you know I am a woman of few words. (Ha! Ha!)
I have always worked in an environment with direct customer contact. Whether it is person to person, via phone or email, this type of work seems to suit my personality. So, being at the front desk entering contracts and answering the phone here at InterceptEFT, I have the pleasure of speaking with a majority of you each day. The key to successfully performing one's job is to try to see things from the client's perspective. I will admit, at times it is stressful and it is hard to maintain a cheerful tone, but I do my best.
I always think about how I would want to be treated if I were the client or customer, so I decided to look up the meaning of the Golden Rule. This is a portion of what I found:
The basic premise of the Golden Rule is that those who aspire to live by this rule must treat all people, not just their close associates with fairness.
Here's to living by the Golden Rule every day!
by Cindy Simon (Customer Support Supervisor), Oct. 27, 2009 My mother unexpectedly passed away recently which has brought many memories to the forefront. I think, many of which, have made me who I am today. Born the last of 10 children, a rare number of siblings these days, has given me many insights to the world. Both sets of my grandparents immigrated to the United States during the 1890's. My father was born the year the Titanic sank 1912. My mother was born the year that the stock market crashed (1929) and the beginning of the Great Depression. My parents told many stories of growing up on their family farms and the harsh cold winters in North Dakota. I remember my parents telling us, you can do anything you want with your life as long as you work hard.
This last year InterceptEFT has been working hard as a team in regards to all the challenges and the never ending changes in the electronic ACH industry. The Intercept team works at sharing knowledge that in turn will benefit as well as motivate our employees and our clients while learning the ins and outs of the Electronic Funds Transfer business. Take away the sharing, the team will no longer be a team, members will no longer be as knowledgeable, and motivation will be gone. It's easier to maintain higher levels of customer service when people feel they are moving forward, learning new things, adding to their skill base, and achieving more. When there is value involved it becomes personal and consequently becomes more emotional, therefore, we accomplishmore and stressless.
In the eight years I have been at InterceptEFT I have had the privilege of working with many individuals, companies, and groups which has only expanded my already large family. Writing this short blog has provided the opportunity for our clients to know InterceptEFT employees, which in turn allows both companies to continue to grow and thrive into the future.
by Ember Verkuehlen (Admin. Support Manager), Oct. 19, 2009 Do you ever wonder where all the missing faxes go?? Do our fax machines have a gremlin living on little particles in our machines like the dryer gremlin? You all know what I am talking about right? We wash our clothes and put them in the dryer and you know you had 2 matching socks in the washing machine but to your surprise and frustration your favorite pair of designer socks is missing its partner. You look between your machines, behind the dryer, you check the washer again, but it is no where to be found. I'll tell you where it went; the dryer gremlin took it to their alternative universe just like the fax gremlin sometimes thinks it is funny to steal the faxes.
We have all experienced it from both ends of the fax line. Rather we are the recipient or sender we have either asked or been asked this question, "I faxed the documents and my confirmation says it went through so why didn't you receive it?" The answer, "the fax gremlin took it."
OK, the fax gremlin might be a myth and the real answer is "that sometimes the communication lines between each others fax machines/servers just don't communicate well with each other or hiccup during the transmission." Who really knows? We would all love to have the perfect data world (gremlin free) where we get every fax perfectly every time. Wouldn't that be wonderful!
My point being, no matter the reason, our fax systems aren't perfect and we may not receive every fax sent to us due to communication hiccups or gremlins. All I ask is that we all show some patience when it comes to faxing because we are truly trying to create a happy fax world here at Intercept. Unfortunately there may be times when we ask you to refax.
Can't you just picture gremlins sitting in their alternate universe wearing one sock and reading our faxes while they enjoy their morning cup of coffee?
by Stephanie Perrine (Customer Support Specialist), Sept. 28, 2009 How satisfied are your customers? Are all their needs being met? These types of questions are of utmost significance for a business to ask. The answers to them will only be as good as the feedback obtained from your customer base. Feedback that your customers can offer you is both beneficial to your own, as well as, your customer's success!
Compliments, suggestions and even complaints are all sources of valuable feedback. Compliments make people feel good and they also show that efforts put forth by team members are not going unnoticed by your customers. This sort of positive reinforcement encourages your team to keep providing the best levels of customer service. On the other end of the spectrum are complaints. I think all will agree that nobody enjoys this type of interaction with a customer. However, they can be just as beneficial by using them as experiences in which to learn from. Most likely the employee will become more knowledgeable and will develop ways to divert the negative situation from occurring again, paving the way for more desirable feedback in the future. Interaction with the customer, either positive or negative, will open the door for suggestions. A common goal is to strive to meet and keep up with customers' needs and expectations and therefore welcoming the suggestions customers have to offer. Committing to make sure your customer's feedback is included to help maintain and improve services keeps the focus on the needs of your customers.
Here's a few tips:
- The entire company should be involved in the communication loop. Encourage all employees to interact with your customer base.
- Keep the lines of communication open. Provide a variation of ways for the customer to communicate with you. Communication efforts should be easy and comfortable for your customer. Some examples would be toll free phone numbers, online forums, comment cards, and surveys.
- Try to collect feedback at different stages of the relationship from the point of first contact, through the sale and continuing on through your professional affiliation.
- Ask the right questions! What are your customer's needs? Are they satisfied with your services? Find out sources of competition?
by Bryan Smith (President), Sept. 1, 2009 All of us at Intercept are excited about the sharing of information in the upcoming blog. This will be the first time that personally or professionally I've blogged! Naturally this leads to excitement combined with some anxiety.
The past year has shown all of us the dramatic changes in social networking. We at Intercept are beginning to blog, tweet on twitter and develop fan pages on facebook. These changes are significant but pale in comparison to the changes that have occurred on the financial and business front. We now have bank failures rivaling the numbers of the great depression or at least the early to mid eighties. We have spent a significant amount of time researching banks and have been moving the existing client base to well capitalized banks or banks that have been set to acquire failing institutions.
In any event one should be cautious and well informed of their banking relationship. For the first time I can remember in banking (my career now spans an immense 26 years) the value of overnight funds is zero. Banks have been benefactors of the flight to safety movement which has left them awash in deposit dollars which with other factors has driven down overnight interest to a nonexistent dollar amount. With such instability in the market place Intercept has elected to forego interest dollars, but rather elected for unlimited depository insurance from the FDIC. We believe this will change in the future, it appears to be 12 to 18 months, but any time line is a guess at best. To give you a glimpse of our long term strategy in the investment arena, we are developing products and services that will allow for: investment house opportunities (today the biggest fear is one buys a money market account at a dollar and it comes back less than a dollar), earnings credit for reduction in fees (which are FDIC insured to some dollar amount) and bank money market accounts that are FDIC insured and allow for more than six transfers a month. These are just a few options we hope will be available to Intercept clients when interest rates return to a greater return than less than 1%.