bank of america's ethnographic research following baby-boomer women at home and while they shopped yielded two insights-they rounded up financial transactions because it was more convenient,and those with children found it difficult to save. Subsequent research led to the launch of "Keep the Change,"a debit card program where by purchases are rounded up to the nearest dollar amount and the added difference is automatically transferred from a checking accounts to a savings account.Since the launch, 2.5 million customers have signed up for the program,opening 700,000 new checking accounts and 1 million new savings accounts in the process.