1. What 3 factors in modern banking have changed the industry? 2. Name three ways you interact with your own bank. For each, explain how technology has changed the interaction between the bank and the customer. 3. Why do governments regulate banks? 4. Name 6 ways banks safeguard your money. 5. How does lending stimulate the economy? 6. In what ways have security issues for banks changed in the last 30 years? 7. Name 3 sources of bank income. What is a bank's spread? 8. What changes have deregulation and competition brought to modern banking? 9. How might smart-card technology reduce the number of cards in a consumer's wallet or purse?