[Pagan]

Try living in a place that doesn't even have paper checks anymore, and hasn't had for at least 7 years that I know of. I remember my mom sending me a paper check when I first arrived here. We took it to the bank, and the cashier looked at it, looked again, examined it from all sides, had to go get a manager who did the same thing. Neither one had ever seen a paper check. We are totally electronic here in Finland. And no, our payments are not mailed. Here we can do direct transfers to the various companies. They give us all the banking info and we set up the payments direct. Much nicer and faster too. No postal service involvement!

Thankfully, I did the online banking thing when my bank in Texas first started with it. I could sit down and schedule my payments out and not even have to worry about finding a stamp or remembering to mail the dang thing. Add the electronic deposits, and I was a happy camper.