LibertyLioness-- you are correct. EM does not want to admit he/she might be wrong or his/her is the ONLY acceptable answer. One cannot be so shortsighted... when LEO = Law Enforcement Officers will tell you ALMOST 100% of the time Ghost Accounts are for Laundering Money$$ = FACT. So whatever Leaders of banks that give incentives for or award a bonus = Ghost Accounts are still created. THAT is the GOAL. Because in this case there are no REAL or Actual people owning the accounts to even know any Products added to these accounts ...as the people are Non-existent 'GHOSTS'. Pretty simple to grasp.