Bankers and others find the Internet inviting in part because it is inexpensive. So inexpensive, some have found, that it doesn't pay not to get their World Wide Web feet at least a little wet.

But many of the 1,000 or so banking sites worldwide are still static home pages or simple billboards. They don't stack up well against some of the glitzier, more animated creations of sophisticated media designers. Which raises the question: How much should it cost to do the Web right?

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