<div style="font-size:10pt;font-family:arial,helvetica,sans-serif;color:black;"><p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">3280 words<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Your word count is way off.<span style="mso-spacerun:yes"> </span><o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">It’s about two thousand words too many. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">This article<span style="mso-spacerun:yes">
</span>echoes the problems we all have with<span style="mso-spacerun:yes">
</span>technology. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The title<span style="mso-spacerun:yes">
</span>is right<span style="mso-spacerun:yes"> </span>on. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The things you are describing is a bit more than
I can imagine, <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">since I have a seeing partner who deals with
those technologies. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">But she has given up on almost all of them<span style="mso-spacerun:yes"> </span><o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">because of issues you have described.<span style="mso-spacerun:yes"> </span><o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">We, as blind people, have additional problems
with the equipment<span style="mso-spacerun:yes"> </span>added to those of
sighted people. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Technology<span style="mso-spacerun:yes">
</span>used to be simpler and just as<span style="mso-spacerun:yes">
</span>useful. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">There is nothing I couldn’t<span style="mso-spacerun:yes"> </span>do with earlier versions of Microsoft<span style="mso-spacerun:yes"> </span>computing. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Excet that, it was more reliable and much easier
to do all the things I am doing now.<span style="mso-spacerun:yes"> </span><o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The piece, well written, deals with things I can
get the gist of, <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">you loose me in the details. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">That may be my fault, rather than yours.<span style="mso-spacerun:yes"> </span><o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">If you lend me a hammer and a ticket , I’ll come
to your home and end all your problems.<span style="mso-spacerun:yes"> </span><o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">A well aimed hammer can do wonders. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Of course, you’ll have to go back to the old
ways of doing things. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">but, There won’t be anything else to take the
place of what you have now. <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">You can’t buy an old x-p<span style="mso-spacerun:yes"> </span>computer.<o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">scream, curse, throw things<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">by C. S. Boyd<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I love the title.<o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Any of us who have had to deal with technology
to get something done, have experienced the frustration and irritation of the
sometimes impossibility of accomplishing our goal.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">We boot up our computer only to be confronted
with its demands that we perform some update, reconfigure settings, or reboot
so it can finish some update of interest only to it. We launch an app to
perform a task and spend endless minutes searching for the magic link or button
to take us to the desired feature and then struggle thru the steps to get the
program to find and select the correct items to submit the task.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I just finished a two day, actually all told it
has been four days, project to make a simple deposit and transfer the funds
from one bank to another.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The first hurdle was to convince my bank app to
accept an image of the front and back of the check and deposit the funds in my
account.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Next, is to move the money to an account
specifically set up for transfers to the other bank.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">No! Says the program. The money is not yet
available even though I can see the transaction and that the money has been
added to the balance.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The reason for this, as I'm sure you know, is
that the bank insists on confirming that the check is good before letting me do
anything with the money.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">So, I wait.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Now, I get an email from my bank informing me
that I haven't used Zelle, an instant money transfer option that I set up a
little over a year ago, in the last 17 months, so If I don't use it in the next
three weeks, my account will be deactivated. I am assured that if I decide to
use it after it is deactivated, I can simply go in and set it up again. Since
it took me a full day and the help of five different agents of varied knowledge
and ability to set it up in the first place, I determine that I will try to
keep it active.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Ok, I think, I need to transfer the money from
the check. I'll use Zelle to do that. Two birds with one stone, as it were.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I check the next day and find that the funds
have been made available.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I log into the bank app, record by balances, tap
on the menu button, select "Transfer with" and find myself in the
Zelle transfer option.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I select transfer to friends and family.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Can't believe, things are going entirely to
well.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I press on<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Now, what I need is a list to pick the
destination bank from.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">There is no list.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I find a link that vaguely sounds like it may
help.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Hmmm...<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">After some fiddling, I call the internet banking
customer service number.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Fortunately, I get a representative that while
he doesn't listen well, at least has some ideas how to get this done.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">After 15 minutes of diligent labor, I am
rewarded with a transfer of $2,000 of the $3,821.85 that I wanted to send.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Turns out there is a$2,000 daily limit. I
propose that maybe I could transfer the rest from the other bank where Zelle is
also set up.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">“No,” the rep tells me. “The limit is $2,000
from my bank no matter which bank I make the Zelle transfer from.”<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">But, I have transferred more than $2,000 using
the ACH transfer. The limit is on Zelle transfers only. Okay, I think, fine, I
will set up an ACH transfer for the rest and the money will get there tomorrow.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I go to the transfer feature and find out the
Earliest I can set the transfer up for is tomorrow. Since tomorrow is Friday,
That means the transfer will not be processed until Monday delaying its arrival
until Tuesday.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The rep was right. It would be faster to use
Zelle to transfer the rest tomorrow.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">So, next morning I'm lying awake in the wee
hours and decide to get up and make the transfer.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">It goes smoothly. Sort of. It's really hard to
find the buttons and links sometimes. With Zelle, the screen is not logical at
all and there is the worry that the app may decide to log me out before I
finish.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">After successfully transferring the remaining
funds, I now need to use the other banks app to transfer the money from the
account that is attached to Zelle, to the savings account so it can earn higher
interest.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">If my local bank's app was a challenge, the
other bank is even worse, but after 30 minutes, I have accomplished my goal.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Now, what I have to remember is that 50 years
ago, I would have had to take the check to the bank to deposit it. Then, write
a check and mail it to the other bank. This process, given the mail service at
that time, would have taken 3 to 5 days.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Despite the frustration, thanks to technology I
can deposit a check from my home, transfer the money back and forth between
multiple accounts almost instantly, and I could have done none of this as a
blind person 50 years, and some of it not as recently as 10 years ago.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I think yhou go into too much detail about the
ank transactions.<o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">After all, this is not about vanks .<o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">It is about technology and<span style="mso-spacerun:yes"> </span>the problems.<o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">All in all, as irritating and frustrating as it
is at times, we need to pause and give thanks for the amazing capability
technology gives us. Oh, wait. If I had deposited the check and then mailed a
check to the other entity to transfer the funds, or if I had just mailed the
original check for deposit to the other bank, it would have taken 3 to 5 days.
So the only benefit from technology, is I was able to do it here at home using
my apps, and didn't have to find someone to take me to the bank and help me mail
a check to the other financial institution. So, in this case, technology didn't
save any time, it was just more convenient.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">other technical challenges<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">The Automated Assistant that answers the phone.
You know, the one that tries for three minutes to convince you that it can help
and a person isn't needed. Then there is the answering system with a menu of
options none of which fit the reason I'm calling. Once I'm finally in the queue
for a representative, it periodically tells me that I can Go to www dot blah
blah blah for faster service. Have you ever tried that? If this option is
really easier, why is there a long wait on hold to talk to a person? Maybe they
are so sure that the website or automated assistant can help they only have one
person answering calls.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">If it weren't for technology I couldn't record a
show that airs at midnight and watch it at my leisure. For that matter, I
wouldn't be able to record a movie and watch it a few minutes at a time over a
week. One thing I particularly enjoy is being able to fast forward through the
commercials. I couldn't attend a worship service remotely, and I couldn't
attend far away conferences. So, I admit it, technology is great, but I don't
think it really saves us that much time. In most cases, it just makes things
more convenient.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I recently heard of yet another innovation. A
friend and his wife went to a restaurant. When they asked for a menu, the
waitress told them it was the bar code on the table. They had to take a picture
of the bar code with their phone to download the menu and make their selection.
What if you don't have a smart phone? Will it work with voice over? For another
time, the things technology makes impossible for those of us who can't see, or
who don't have the latest and greatest gadgets.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">I suppose<span style="mso-spacerun:yes">
</span>this could all be<span style="mso-spacerun:yes"> </span>expressed
with<span style="mso-spacerun:yes"> </span>the <o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Cliché, Technology , you can’t live with it or
without it.<o:p></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal;background:white"><b><u><span style="font-size:10.5pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p><br data-mce-bogus="1"></div>