Our daughter just opened a student bank account in a new bank because the old one doesn't have branches near her college.  We got the Bank of America pamphlet for parents of college students called "Watching Your Money Disappear." ... Just watched one of Microsoft's "Congratulations. It's a PC" commercials and thought "Boy that must have been one hell of a delivery." Speaking of Microsoft, There are reports Microsoft is considering combining its Excel and Access applications into a new program called Microsoft Excess, which provides no new functionality but will help Microsoft boost its margins. It will be backed by a multi-million dollar advertising campaign. ... Finally got around to setting up online banking. But I'm worried about my bank. The three challenge questions were "Who was that lady I saw you with last night?" What comes after "You put your left put in; you put your left foot out?" and "Would you hit a woman with a child?" I only got the last one right, "No, I'd hit her with a brick." ... I updated my Facebook profile with more information than most people would ever want. Then, I read it and realized even I don't find it interesting. ... ... I'd been meaning to make amends to someone complaining about Kentucky jokes in Consulting Insights. The complainer said everyone thinks "we marry our cousins." I drove a lot of miles there in July and they've really improved the roads. They paved a few of them. Seriously, they have a fabulous road system. You get to your cousin's house faster, once you get the car in the front yard off its blocks. ... It's a good thing Microsoft doesn't make cars. If it did, the car would shut down while it provided the following message, "We are installing your car's updates. Please do not turn off the car during this process."