With the growth of on-line services has come a wealth of convenience. I log into the Hofstra portal and my email around the globe. I rarely step inside of a bank. I purchase more and more products on-line, I pay more and more bills on-line, and I even access much of the national, regional and higher education news on-line. The rapidly increasing transition to more and more on-line products and services in the last decade has been a welcome change. I know I am more productive and efficient as a result and I even believe I have slightly more discretionary time.