<p>Just because Wharton (btw, thanks for the 2008 data; I guess Wharton will get around to publishing post-crash data some year when their numbers can look more attractive) is more of a target than Kelley does not prove that Kelley is not a target. Nobody claimed that everyone in Kelley aspires to ibanking, just that it is a target, which is indisputably evident, despite the contents of your e-mail inbox, which I am guessing is not a mandatory destination for every ibanking communication that is sent these days.</p>