What Banking network uses art? Maybe this person doesn't use electronics? There is theory out the U.S.A. FEDERAL EMERGENCY MANAGEMENT SYSTEMS. If you replace a faulty, 2 volt battery with a 3 volt battery. It will fix all "communications". Practical theory is fundamental in all banking. ISO services used to fulfill this service. All of it. None of it is a "zero percent commodity!". DAP_SYSTEMS are different. "Just ask." No, you didn't know before you read this.