Good stuff, Folks. Thank you. It may be hard to believe, but banks are investing less in stress testing now than they did 5 years ago - mainly due to decreased regulatory scrutiny. It was a very ‘in demand’ career not long ago. But yes, even futuristic online banks will require some type of stress testing. A challenge for me is that I don’t live in a large job market, so I need skills that transcend one industry. My wife loves her job and we bought a home a few years ago with our young family in mind. It would take a lot to uproot us. One up side to my current situation is that when one bank is acquired by another, it usually takes 6 months for the sale to legally close. So, I’d have 6 months (plus severance time) to find a new job. It’d be an uncomfortable few months, but I think we’d by fine. I used R once upon a time in class and even pushed for it at my current employer after reading about a few neat applications in a trade magazine. Unfortunately, the bureaucracy couldn’t wrap its head around the freeware concept and had all sorts of security concerns. I use a few similar, more expensive programs. I still like my current job and employer, though. I can’t underscore that enough. I just worry about our ability to compete with top innovators.