Bill Strunk, offers his clients over three decades of hands-on consulting experience in planning and implementing delivery systems for the financial services industry. Throughout his time as a professional consultant, Bill has worked closely with bank, credit union, and savings & loan personnel at all levels, from the CEO to the drive-in teller. During his professional career, Bill has constantly tried to find more effective ways to reduce costs and increase delivery effectiveness. Consequently, he has developed numerous innovations which have become standards in the industry - head-on drive-in system, member satisfaction model, telebanking, PIN and signature identification system, totally shared ATM networks - to name but a few. Now Bill advises bank managers in selling customer services through an innovative system of overdraft privilege. Just more innovations resulting from the exhaustive research and planning performed by Strunk and Associates with the objective of delivering better bank service. Bill has authored numerous articles on branch profitability and financial services delivery systems in trade journals and magazines. Bill has been guest speaker and presenter before financial industry trade groups, and bank professionals, in addition to serving on the faculty of Texas Tech School of Banking. Bill is routinely consulted by the print media about strategies deployed by the financial industry