If we see an upward trend in delinquency ratios, we tighten our lending, but we have not had to do that. |
One of the reasons is when I look out my window I look straight at a Bank of America. |
Right now, employees just leave a message saying they won't be in today. |
When someone came into the bank we could tell them about Internet banking, but we had to ask them to go home to sign up on their computer. |