It was the fall of 1992. Kieran and Olivia* had just been married. Kieran went to the bank to make a deposit in their joint savings account (note the date – none of this was avaiable via online transaction). The teller asked him “which account?”  He snapped his head up and asked her back. “What do you mean which account? There’s another account?”  There was another account.  *Names have been changed, but the story is true.  To the  tune of a good amount of money, and the joint account holder had the same last name as the recently married bride …