If you like those little machines that give you 24 hour access to your bank account, you'll love the Internet. I suppose there are still people who, given a choice, will go to a drive-through teller just so they can deal with a "live person" instead of a machine. But even those people will admit that it is nice to have the option of doing things for yourself, on your own schedule, anywhere. Do you remember what it was like before automatic tellers? Banks closed at 3 p.m. on weekdays. Each Saturday you had to guess how much money you would need for the following week. If you were wrong you had to cash a check at a food store (and maybe buy something you didn't want). And if you were out of town? Well, there were always credit cards.