We’re competing in a new environment that values deposit-building above all else. Interest rates are rising; competition for business deposits is fierce. Banks are launching high rate interest-bearing products to lure existing business clients away from their primary banks. Once the competing banks have the interest-bearing balances, they focus on the operating accounts. While interest rate can be a good conversation starter and may be sufficient to win some accounts, we’ll attract more deposits and build more stable, less rate-sensitive relationships if we provide better ideas regarding cash flow and cash flow management.