The more you take manually performed bank tasks and automate them, the more efficient it's going to be and the costs are going to go down.

The mining itself doesn't create that much dust. It's the trucks driving on dirt roads.

These things are not going to evolve overnight but ultimately, we could be reaching the point where most people do their banking online.

It all depends on what you want to do. Some people want to pay their bills online. Others feel they lose control when that happens.

The rapid growth of Cedar Park, Leander and the Central Texas region provided an ideal opportunity for us to partner with Seton.