I have undergone a conversion. After talking to a bank CIO and attending the salesforce.com Cloudforce Tour yesterday in San Jose, California, I now see a place for the cloud in banking. The bank CIO talked about moving not just prospecting, but account origination to the cloud, specifically to force.com. The tools available on force.com make for a reasonable environment and development platform for this bank. It can make sense. Seeing the hurdles that banks apply to security, I would have never thought that a horizontal provider would meet the rigorous requirements that banks require. Salesforce.com is SAS70 compliant. A year ago I wouldn't have thought about moving real banking activity to the cloud. Today I do. Are you moving any of your banking activities other than prospecting to the cloud?