Everyone knows that people who grow up in cold, sunless climates are dour, unfriendly, alcoholic smokers who create darkly foreboding art about the end of mankind that they take very seriously.

NPR: A Paean to the Music of Summer

This shift to online banking has made it easier for banks to make customer-unfriendly decisions like instituting fee increases comfortable in the knowledge that people are largely unwilling to break their online banking ties.

FORBES: Addicted To Online Billpay?

It never works because people, investment capital and businesses are mobile: They can leave tax-unfriendly states and move to tax-friendly states.

FORBES: Capital Goes Where It's Welcome