Using account upgrades for risk management

The blind S/L looking for a particular class of risk can pre-select from prior account histories. Thus, take an account history that meets an S/L ratio sufficient for stability, then upgrade with an initial fee.  Relative risk management becomes easier.

Homeowners, for example, with a history of payments are easily upgraded to a cash management account with interest flow. This is actually a good start up strategy. Target a specific class of homeowner for a matching S/L account. As long as volatility is a relative measure, there is an interest charge that matches savings and loans in a slim risk class.  I think we can prove that.