This document summarizes a presentation on virtual client/thin client computing as an alternative to traditional desktop refreshes. The presentation discusses how thin clients can provide agility in retail banking by offering cost savings, mobility, secure remote access, and capacity on demand. Concerns about credibility, convincing the business, and risks are addressed by highlighting the technology's maturity, mainstream adoption rates, specific cost savings, and risk elimination methodology. The presenter concludes that agility is no longer optional for retail banking and that thin clients can help bridge legacy systems, modernize customer touchpoints, and efficiently manage mergers and acquisitions.