Nick Note: With so many people on lockdown internet usage has soared. The ugly truth is internet providers have sold far far more bandwidth then they can deliver. Now its the nut cutting. Our concern is the fact that the internet brokers are seeing their systems crash on high volume days and US banks are seeing system outages on their payment systems especially their credit cards. The master card and Visa system itself seems to be rock solid. The Credit card companies have invested billions in automated systems. Unfortunately US banks delayed the investment because it was a capital expense they could not amortize against a profit center. In other words they all ready are feeing you to death. So upgrading the system would not make them any more money