Went with Richard and closed the True West bank account. The woman at the window couldn't find our records (no pun intended). Cleared the account by writing a check for cash - $94.44. Gave Richard $40. We went to Skip's and he bought some castanets that were mounted on a board. I looked at a 12 string acoustic guitar: an Applause round-back with sunburst finish and an internal pickup. $285 list, less 35% discount = $185. I was playing it when a salesperson asked if he could look at it, then he told me he just sold it and it was the last one.