profit and loss and balance sheet template I've been trying to get a refund because I collected more money and was turned down. It claims that I have been charged with the "cheapest" fare, although it admits that the price of the app is not correct. Rising out of your ashes in the banking collapse of 2008, alternative banking practices are actually available. And have been for quite a while. Well, I guess the banking community wants another chance to help us manage our money. Thanks to the Federal Reserve, it's as if they are getting that chance for some time to come.