answer:I have to write several checks a month…to the snowplow guy, to most of my home contractors (roofers, guys who installed my new skylights, arborists), the man who mows the lawn of a pocket park funded by my family 200 miles from here, and some odds and ends. The rest is EFT. I like to have a reconciliation within $10. It’s straightforward. (The interest the account generates per month is .05 but I still feel a need to write it down.) On the occasional month that I get it down to the penny, I can hear my dead father praising me.