Let's change some wording: President of the banking division: Chief, we've got this computer system that we implemented in 2009 and it's terrible. Me: OK, let's get rid of it PotBD: It's not that simple. We've got a couple more years left on our lease agreement with IBM and the cost of implementing a new one would be quite substantial Me: What are we talking about? PotBD: 48 Me: Million? PotBD: Yes Me: How bad is it really? Can't we just, you know.... ride it out? PotBD: Well, we could, but it's really customer unfriendly and it's making people leave our bank. Me: Ouch. PotBD: That's not all. Occasionally, it gives our competitors free money. Me: [pulls out checkbook] Who do I make this out to?