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Scott contends that it is a " lack of spiritual influence " in American schools that is at the root of societal decline . It strikes me as arrogant to dismiss , if not the " reality , " then the " rhetorical vision " of this community , which is not limited to any one class , country , or even religion . We believe that it would be more appropriate to utilize a definition of " shell bank " that is more precise and means that it applies to banks without a physical presence in any country if those banks are not regulated affiliates ( i.e. controlled by , or under common control with , a depository institution , credit union , or bank that maintains a physical presence in Canada or a foreign country and is subject to supervision by a banking authority in the country regulating the entity affiliated with the bank ) . Receipts for " database and other information services " increased 33 percent in 1998 , to $ 2.0 billion , after increasing 27 percent in 1997 . Surely , " modern science " and " modern art " have as much in common as cheese and thursday .