You have a point there Tiger, the true terminally stupid people need someone to turn on a computer so they'd be relatively safe, unless they were so far out that they said, "I need to create a log in for my bank account. Can you help me, and give me a really secure password?" Although I know of some people that store their bank info on their comps (unsecurely) Would that be classified as borrowing if someone uses that info? Well, we could give new meaning to borrowing. Especially, to borrowing with no interest. Like Bill Engvall says, "Here's your sign".