bank of America's ethnograplic research following baby-boomer women at home and while they shopped yieded 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 "Keed the Change" a debit card program whereby purchases are rounded up to the nearest dollar amount and the added difference is automatically transfeered from a checking account to a saving account. Since the launch, 2.5 million customars have signed up for the program,opening 700000 new checking accounts and 1 millon new saving accounts in the process.