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Brett - I wish you all the best with the primary strategy.- The number of established businesses that will hit the wall due to this black swan event will be astronomical and leave a swath of individual misery and destruction. If you can keep the team together and act with kindness and compassion it will be long remembered.

Hi John, I have penned a counter point to your views on email in banks.

Whereas your views may be focused on the use of email internally - my views are focused on the use of email externally.

regards - Mike

Being in a business that already sends email bills to Gmail customers - I believe that this would be a great service, however having asked 10 different Googlers about this, it would seem that it is buried deep in the back corridors and not yet close to being a public offering, a 'concept' is a better description.

Manilla, Zumbox and Doxo all found that working with billers to get data in a uniform format is problematic - as is trying to find a business model to make this work. Potentially having alternative motives for gathering the data (i.e. to better target ads to the customers) could be a better idea than charging the billers for the pleasure.

Roll on the Pony Express...