Vk By Genz
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Vk By Genz 5
What the hell is the CSGO-STATS.NET Ratio?We developed the CSGO-STATS.NET ratio because the K/D ratio is not accurate enough. Some other data as the accuracy, percentage of headshots or overall winpercent have no influence on your K/D ratio. But those numbers are included in the CSGO-STATS.NET ratio. It gives a better view on how good you are comparing to all other legit playing CS:GO players.A short explanation:If you have a ratio of exactly 1, you are the exact average player. If your ratio is less then 1, you're worse. If it's higher, you're better than average. That's simple right?
NEW YORK – America’s banks have rapidly shut down branches over the past decade to slash costs and adapt to a world in which deposits can be made on smartphones.The number of US bank branches has shrunk by more than 3,000 since 2010, according to Deloitte. Bank of America alone has slashed its branch count by more than 1,400. Not only does the shift away from physical branches save banks money, it makes sense given how much younger Americans rely on their smartphones for daily life.Yet new research suggests banks should think twice before they shut down their next bank branch: Many customers, especially younger ones, still regularly rely on physical banks to make deposits, get paper money and even pay bills. “The death of retail branches is greatly exaggerated,” Nate Smith, group manager at Adobe Analytics, told CNN Business. “That personal interaction is still very, very important today.”Smith compared the findings with the realization that many shoppers still value brick-and-mortar stores for returns and trying on clothes.Why are younger Americans going to bank branches?Forty-five percent of GenZ consumers said it was to make deposits, followed by paying bills (28%) and customer service (25%).The study found that all age groups agree that physical branches are an important part of the banking experience.