mrs. appleberry is right. any account no matter how small is better than none. the growing challenge -- community banks are closing, technology's eliminating the need for branches. moreand more, poor communities have less and less access to the banking services they need, becky. >> when i've talked to other people, they say, yes, but you can do so much with your phone you can do all of those things there. how come that doesn't translate to helping people in communities where they need it >> technology creates a promise, but you have to leap over the idea that some of them don't have banking accounts, right the idea that you can do so much with this phone and yet some people don't even have access tto atms, to bridge the technology banks are closing down, many are going away so the more technology goes forward, the more these people get left behind. >> it sounds like the community banks also provide something, a little counseling almost, to walk you through the it. you need that personal touch >> absolutely. on the broader level, becky, banking and lending is bec