I have talked about this before too, but I was on a jumpseat last night with a new guy and I asked if he knew about the Full Service Bank. I won't go into it here, but if you new guys don't know about it, you should look into what it is and what it can do for you. You can still get some benefit before the new contract will take effect, but you only have December to take the most advantage. I would say that an (public math) 81% ROI is pretty damned good, but what do I know.