Ah, you do have a point. I'm old fashioned enough not to use either, but why not embrace the power of "and" and do both? In the real world, your targets inclu

Ah, you do have a point. I'm old fashioned enough not to use either, but why not embrace the power of "and" and do both? In the real world, your targets includes the banking staff, who's attachment to their jobs might not be all that sticky, especially bank tellers who have no influence over policy but can relatively easily move to another bank.