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Well Ginger my theory is that’s for those people who don’t write down their transactions at the time of purchase and forget about them which the bank is hoping you’ll do so they can charge you a big fat fee when you overdraft your account. Back in the day I used to work with a young girl who would have all her cashed checks that the bank sent her back spread out and she would be entering them in her ledger. I asked her what she was doing and she told me. I said don’t you do that when you make a purchase she said no I do it when they send me back the checks. I said don’t you get a lot of overdrafts she said yeah probably 2 or 3. I said that’s like $35 a pop she just shrugged her shoulders. I can’t imagine it’s much different in fact probably worse now that we use bank cards.