OT: neural networks and filePro

[Fairlight]

Y'all catch dis heeyah?  Bill Vermillion been jivin' 'bout like:
> 
> It may not be local managers but a policy.  Free coupons often look
> good at first and the you read what you get and it's not worth it.

I'm sure the coupon thing is a general policy.  I'm sure the free dozen
here and there is just the manager being cool.  No delusions there.  One
just makes more sense than the other.

> You can't blame the programmers.  I talked with a programmer
> who did a lot of financial institution work years ago.
> 
> He worked for two different banks.
> 
> On checking accounts one bank would sort the checks from the
> smallest to the largest, so that if there was an overdraft only the
> largest check would bounce.
> 
> The other bank sorted the amounts from largest to smallest and paid
> them in that order.
> 
> That meant that bank could get far more bounced check charges
> on one account.
> 
> The first bank was customer friendly, the second bank was
> maximizing income.

I'd -never- call PNC customer-friendly, but they sort cheques so that the
smallest ones clear first.  That helps stop more of the snowball effect if
a client screws you and their cheque bounces.  I had that happen three
times--all from the same client.  Needless to say they're no longer a
client.  They managed to (and I was told as a teen that this wasn't even
POSSIBLE) bounce a cashier's cheque.  I kid you not.  That was their second
payment on it after the first bounce, when I demanded a money order or
cashier's cheque.  The third time I demanded a wire when I found out that
even a cashier's cheque -could- indeed bounce any time up to 14 days out.
I got my money, but I dropped the client.

Corporately, PNC is horrible IMHO.  I'd switch if it wasn't for the huge
hassle of doing so.  Locally, you can at least work with the local branch
managers.  But their corporate office is hell to deal with.

> Do not think for an instant that any retail store has your best
> interest at heart.  They do want you to come back, but they want to
> make as much money from you each time you are there.

Well that only makes sense.

> With your KK store - they have a captive customer.  So you don't
> need to give away anything free to keep you.

True enough.  :)

> Since they have HER in the database she doesn't get as big a
> discount, but I'm not in the database so they entice me with bigger
> bargains.
> 
> Basic Marketing 101.

Just wait until some special interest group gets ahold of all this inequality!
Then see what a mess we end up with...  :)

mark->
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