What do you know just about financial services?

This is a survey for a class of mine:

What do you know roughly any or adjectives of the following?
1. Online Banking - are you familiarized next to it? Have you used it?
2. "Smart Cards" - do you know what they are? Could you explain how they work to a friend?
3. Check writing sofware vs. Online Banking
Do you use one or the other or Both?

Answers:
1, never use it
2. nope never hear of them
3. never try either

but will stack my assets against most folk playing on answerer's

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