Sound harsh? Well, okay – it was. I’m trying to get your attention, trying to “grab ya”, trying to get that delicious headline that makes you keep reading. Failed heart-palpitation inducing headline aside, I want to take time to address banks, an

Oh, you know who you are. You’re that person who picked up an HTML 1.0 book at a garage sale while you were browsing for decorative spoons for all 50 states. You sat down with your new tome of knowledge, revealed it’s stained interior, executed t