The creative person looks at problems in a new light and transcends conventional thinking about them. For many years, banks were unable to solve the problem of how to decrease the coast of customer withdrawals. They already knew ho to decrease the cost of customer deposits: Night deposit devices enbled customers to deposit cas in to a sfe. Customers agined access with a key and deposited money into a mailbox-style drop. An inventor from outside the banking industry asked the right question: "Why not find a way to allow customers to deposit and withdraw money automatically?" This seminal thought led to the invention of the automatic teller machine (ATM).