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this is 99% invisible I'm Roman Mars

keeping money in a savings account where it earns interest is logical.

Let's pretend that you've never been to a bank before.

Douglas McGray is going to be our guide.

You walk through the door, you see the red carpeting, you see someone in a suit there may be greeting you, you see some ferns, you know, a nice row of professional looking people in suits behind the counter.

You don't really see what it is they offer.

Chances are if you walk into the bank you look around you're not going to see a lot of services

or prices. You have to kind of know what you want going in there.

Or you have to talk with someone to help you figure it out.

If you think about it almost like it's like if you went to a restaurant,

there's no menu on the door,

and you walk inside and like instead of giving you a menu, they ask sort of what do you want and you go

Italian and and then you have a conversation about what they could provide and the 17 different sauces they could offer and all the different shapes of pasta.

A reasonable person might think like it would be kind of nice to have a menu.

Doug McGray is a journalist.

My name is Douglas McGray.

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