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To: micny who wrote (6010)	7/21/1998 11:26:00 AM
From: Charlie Smith	Read Replies (1) \| Respond to of 8545

micny: Access is easy. I decide that Mellon (my bank) either doesn't pay me enough on my CD because of a bloated cost structure, or it isn't ramping up E-pay or E-bill fast enough. I move my account. NETBank gets "access" instantly, and all they need to get it is good systems. The point is that a bank is no longer defined as a trusted place to "put" my money, but a system. Business idea for the next decade: Unbundle safe deposit services from retail deposit gathering. My "bank" for old style paper assets (and even older style coins and jewelry) is now a giant fortress akin to the self storage facilities springing up everywhere, but with a bigger fence, more cameras and some guys with guns. A new category killer is born. Or, simply invest in home safe companies. Charlie