When I joined IBM I opened an account at a bank with a branch in Millwood. It was convenient as I could stop by on my way to work. When I got laid off I went on banking there out of habit although it was now considerably less convenient. About a month ago it rather belatedly occurred to me that my bank has many branches. I have since been using one in Croton and it is rather startling how much easier this is. It makes me wonder how much other suboptimal behavior I engage in out of inertia.