Rising out of your ashes in the banking collapse of 2008, alternative banking practices are actually available. And have been for quite a while. Well, I guess the banking community wants another chance to help us manage our money. Thanks to the Federal Reserve, it's as if they are getting that chance for some time to come. “It’s time to end this undercutters’ charter and for the government to scrap this loophole. It’s recent review into modern employment practices called for precisely that.” It is our responsibility to achieve our goals in the right way in 2018, and we have this opportunity.