Although some critics contend paperless deposits are an attempt by the banking industry to eliminate 'float,' the standard one- or two-day waiting period between the time someone writes a check and the time the money is actually taken out of their account
How about eliminating the other kind of float, where the bank gets a free loan of your money for the period of several days between the time they take it out of the check writer's account and the time it gets "cleared" to the depositor's account.
when the number of concurrent users exceeds the number of licenses, all requests go through unfiltered
I think this is configurable. When all the Websense licences are in use at my office, all requests get blocked.
In every non-trivial program there is at least one bug.