The young ones, too. My 12 year old step son uses the browser search bar for everything - even "youtube". It's maddening!

Good grief. That was all clearly stated in the summary. The comparison is used to describe what FLAC is.

Insightful?! You just restated a point made clear in the fucking summary.

... the fee. I have (had, woo hoo!) a checking acct with wells fargo since 1994. I stopped using it as my primary account after moving to a region where they had little presence. I retained a portion of direct deposit for years and now they decided to charge me 5 bucks a month unless I kept a $xx daily balance or increased my direct deposit amount . Dropping them was an easy decision, but my point is that they aren't charging everyone fees -- only those customers who aren't necessarily making them money. They can still kiss off though, for sure.

And let me say it before someone else does: "If I had a UID like yours, I wouldn't bother, either."

Some folks just don't bother logging in.