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We have been accepting checks for many years. I would not bother with it if I were you. Fifteen years ago checks were over 15% of our deposits, this year it will be less than 2%, and it is dropping every year. People are getting away from checks these days.

That car wash in Mulberry was built shortly after the WalMart opened right near there. Everyone expected that that whole area would boom once Walmart came to town. John, the guy that built that wash, had no car wash experience whatsoever. He once told me that he thought even if it didn't make...