We have not made the 'leap' here yet, but at my last bank, we decided not to do underwriting for consumers (on new accounts anyway--for existing accounts we would review the account). Instead, we had a daily limit of $1,500.00 and there was a person in Deposit Ops who reviewed each check before releasing it for credit to the account. It was kind of new there too, so we were going to build some experience in that manner. We expected to build a threshold for the review at some point, but when I left they reviewed them all. The volume was not super high at that point. I think the feeling was this was what the future was going to look like and the practice would become totally commonplace in the years ahead. We did not want barriers. Granted there would be losses, but eventually it would potentially change the staffing model of the bank.