I've following this thread mostly because I'm bored and it has mild 
entertainment value, but I'm handicapped by not knowing what a "challenger 
bank" is.  Can someone define it?

---
Bob Bridges, robhbrid...@gmail.com, cell 336 382-7313

/* Every year, on April 15, all members of Congress would be placed in 
individual prison cells with the necessary tax forms and a copy of the Tax 
Code. They would remain locked in the cells, without food or water, until they 
had completed their tax returns and successfully undergone a full IRS audit. Of 
course this system would probably result in a severe shortage of 
congresspersons. But there might also be some drawbacks. -Dave Barry's plan to 
simplify the tax code, 2000-04-09 */

-----Original Message-----
From: IBM Mainframe Discussion List <IBM-MAIN@LISTSERV.UA.EDU> On Behalf Of 
Bill Johnson
Sent: Thursday, April 6, 2023 18:10

....ING is partially a bank but they still shut down their challenger “quasi 
bank” YOLT. And the other challenger “banks” are struggling....

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