Where do the rich place their money. Surely it is not in a bank that only guarantees $250000 (fdic) maximum. I have heard of a term called CDRS is supposedly one option that spreads deposits for example of $1000000 into multiple banks and you utilize one bank atm card and each bank in the system guaranteed that $250000 deposits thus all of these banks in the network provide a monthly statement as well for your money. Thanks for taking time to review this. I enjoy your program.