There are many bankers to whom a discussion of postwar monetary policy still means post-World War Two, who remember LaGuardia as a mayor and not just an airport, and most important today, are still a little intimidated by the concept of e-mail, voice mail, the Internet, and the information superhighway.

I have the same problem. I still use a typewriter, not a word processor. I was also dragged into the appliance store by my wife, who said we needed a fax machine when I thought it was ridiculous. Now, like most converts to the fax, I wonder how I lived without it.

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