Ever visited a used car lot and wondered where the all the salespeople were? No, this is not the beginning of an elaborate 800-word joke. Thanks to ultra-cheesy television commercials, the used car salesman inhabits a dark and dirty place in Americans’ hearts. When we visit a used car lot, we expect the rigamarole and even plan for it. As a consumer, if you have to find a salesperson to show you a vehicle, a mental trigger should go off that something is amiss. The same holds true for financial institutions in that mental triggers should go off when those same used car dealers open new commercial accounts with large cash deposits.