So, I am sitting around the pool at my condo in Florida listening to two 80-year olds behind me discussing not only the price of broccoli but to which of the four banks on the corner of University and Commercial they will move their latest Social Security check.

" Gladys, I can get 2.3 percent from XYZ (sorry AICPA) instead of only 2.1 from Cognitor (mea culpa)."

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