The best way to never participate in life is to never expect anything at all! Always make your expectations predicated on what you can do to better our world and NOT upon what others can do for you.

An island grows out of the sea because it keeps pushing upward until it rises above the sea and its shores break the surrounding waves. It expects to grow by building upon itself.

Be thankful for your expectations of what you can do and stop expecting others to do for you what you need to do for yourself! ~Dean A. Banks, D.D.

Spiritual Books

Re-Entering Eden
by Carolyn M. Greenleaf


Everything Donald Trump says about this country is BAD! He offers himself up as a savior and he can't even keep his businesses afloat!

He won't release his tax returns because they will prove he hasn't paid any taxes AND that he is NOT a billionaire! Go to the library and research the facts!!!

The only question I have for Trump supporters is this: Were you born stupid or did you really have to work at it?

Either way you have proven that the lowest common denominator is alive and well! Peace. ~Dean A. Banks, D.D.

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Elizabeth and I would like to invite you all to our site ‘Service In Prayer’. For many months we have been led to offer a way for our online friends to have a forum to share our prayer needs with each other.

The purpose of this website is to connect with one another and share our needs for healing in whatever areas we feel we need. Please visit the website or go to the Facebook forum to post any public prayers on the Wall or PM us for private prayers.

We will pray for you or help you to find Prayer Partners to assist you in healing and realization of your Divine purpose and the unfolding of it in Divine order.

Thank you all for your support, kindness and for blessing us with your ongoing friendship. Peace and blessings to all of you and your families! ~Dean A. Banks, D.D.

The Spirituality Post


Did you miss any of the issues of The Spirituality Post Daily? If so, following are the links to each and every day for you to peruse. Please visit our advertisers and help us to keep going in our service to the spiritual community of souls who long for a greater spiritual perspective on life. God bless you and your families! ~Dean A. Banks, D.D.

Monday, July 25th, 2016
Tuesday, July 26th, 2016
Wednesday, July 27th, 2016
Thursday, July 28th, 2016
Friday, July 29th, 2016

Monday, August 1, 2016
Tuesday, August 2, 2016
Wednesday, August 3, 2016
Thursday, August 4, 2016
Friday, August 5, 2016

Monday, August 8, 2016
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Monday, August 15, 2016
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Wednesday, August 17, 2016
Thursday, August 18, 2016
Friday, August 19, 2016

Monday, August 22, 2016
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Wednesday, August 24, 2016
Thursday, August 25, 2016
Friday, August 26, 2016

Monday, August 29, 2016
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Wednesday, August 31, 2016
Thursday, September 1, 2016
Friday, September 2, 2016

Monday, September 5, 2016
Tuesday, September 6, 2016
Wednesday, September 7, 2016
Thursday, September 8, 2016
Friday, September 9, 2016

Monday, September 12, 2016
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Wednesday, September 14, 2016
Thursday, September 15, 2016
Friday, September 16, 2016

Monday, September 19, 2016
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Wednesday, September 21, 2016
Thursday, September 22, 2016
Friday, September 23, 2016

Monday, September 26th, 2016
Tuesday, September 27th, 2016
Wednesday, September 28th, 2016
Thursday, September 29th, 2016
Friday, September 30th, 2016

Monday, October 3rd, 2016
Tuesday, October 4th, 2016
Wednesday, October 5th, 2016
Thursday, October 6th, 2016
Friday, October 7th, 2016

Monday, October 10th, 2016
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Friday, October 14th, 2016

Monday, October 17th, 2016
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Monday, October 24th, 2016
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Monday, October 31st, 2016
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Monday, November 7th, 2016
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Monday, November 14th, 2016
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Monday, November 21st, 2016
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Monday, November 28th, 2016
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Monday, December 12th, 2016
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Monday, December 19th, 2016
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Thursday, December 22nd, 2016
Friday, December 23rd, 2016

Monday, December 26th, 2016
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Wednesday, December 28th, 2016
Thursday, December 29th, 2016
Friday, December 30th, 2016

Monday, January 2nd, 2017
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Wednesday, January 4th, 2017
Thursday, January 5th, 2017
Friday, January 6th, 2017

Monday, January 9th, 2017
Tuesday, January 10th, 2017
Wednesday, January 11th, 2017
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Monday, January 16th, 2017
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I have been asked why I allow those who don’t get me to post their vitriol on my threads to continue without removing them from the privilege to do so.

I don't delete them or their comments because I want all to see the truth and how those without understanding hearts condescend because they are living in fear and NOT love!

They only have the power that you give them. Let their words reveal whom and what they are! If you fight them, they keep coming. If you chastise them, they keep coming. If you tough love them, they keep coming until they know they have to go.

If they keep coming without getting the message, then remove them from your space knowing that the seed is planted and trusting that the seed will grow.

Doesn't a good farmer plant the seed deep in the soil and trust that it will grow? Or does he dig it up every day to prove to himself that it is growing?

A good farmer allows that which is the expression of Divine love to grow and expand in Divine order. Be a good farmer! ~Dean A. Banks, D.D.


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Spiritual Books

by Dean A. Banks, D.D.

Currently Bobby Hinkle, Elizabeth May Sutor and Dean A. Banks, D.D. have uploaded podcasts. Robert Yarbrough will be added soon. Just click on the podcasters placards below and click on the Podcast title. Currently there are five podcasts on Bobby Hinkle's page, one on Elizabeth Sutor's page and nine on Dean A. Banks, D.D.'s page. Stay tuned for more! Thank you for choosing us!

Bobby Hinkkle Podcasts

Robert Yarbrough Podcasts

Elizabeth May Sutor Podcasts

Dean A. Banks, D.D.


Only when you unlearn fighting and resisting that which you think is against you will you come to learn to accept and allow that which you know is for you. ~Dean A. Banks, D.D.

Spirituality is surrendering all to all. ~Maya Angelou

When you make fun of those who are different from you in order to gain the support of the uninformed, you are performing evil acts and making them sound reasonable. ~Dean A. Banks, D.D.

Fear is a natural reaction to being closer to the truth. ~Pema Chodron

The only problem when you have removed the mote from your own eye and see clearly is that you still have others claiming that you haven't because it justifies their own aberrances, agendas and beliefs. Just because they can’t see what you do doesn’t make them evil; it makes them unable to see the truth in what you know more than the foolishness of their beliefs. ~Dean A. Banks, D.D.

There's nothing wrong in having a standing army. It is when the Armed Forces AND the National Guard are dispatched overseas to fight made up wars to gain control of the flow of oil and minerals that I have a problem. ~Dean A. Banks, D.D.

The rain may obscure the light of the Sun but it has a purpose. It nurtures life in a necessary and different way so that when it is gone, the light of the Sun can do its job! Being a giver of life! ~Dean A. Banks, D.D.

How will we repair the dilapidated infrastructure without taxes? Why aren't major corporations or DJT paying taxes? Why is the brunt of the bill being laid on the middle class? It's because of the conservative Republican belief in a 'FREE' market; where it is only FREE for them! ~Dean A. Banks, D.D.

Be Ye Therefore Perfect! by Dean A. Banks, D.D.

Custom Fine Art by F.R. Rittenhouse


What is the Spirituality Guidance Channel? SGC is a video portal designed to introduce spiritually inclined individuals to be exposed to spiritual videos, radio, teachers, music, art, books, resources and links from a selected group of teachers and requests from viewers. Each featured coach/teacher will have their own page highlighting any videos, audios, websites or printed material they have produced. This portal will be regularly promoted on the Internet through social networking and targeted marketing channels. Please visit the website at the following address:
and email me at webproducer@hotmail.com with any suggestions, links or materials. Thank you for your most courteous participation in this project. I welcome your input. ~Dean A. Banks, D.D.


The Spirituality Guidance Channel

Welcome to our new Sunday Morning Service by Dr. Dean A. Banks, D.D.

Every week Dr. Dean will be engaging subjects that are pertinent to your growth and expansion into recognition of; respect to; and communication with your inner spirit.

Please feel free to comment or suggest topics for review. May the Divine always bless you and your families! ~Dean A. Banks, D.D.


Sunday, July 31st, 2016

Sunday, August 7th, 2016


Sunday, August 14th, 2016

Sunday, August 21st, 2016

Sunday, August 28th, 2016

Sunday, September 4th, 2016

Sunday, September 11th, 2016

Sunday, September 18th, 2016

Sunday, September 25th, 2016

"ALTERING YOUR PERSPECTIVE" Sunday, October 2nd, 2016

Sunday, October 9th, 2016

Sunday, October 16th, 2016

Sunday, October 23rd, 2016

Sunday, October 30th, 2016

Sunday, November 6th, 2016

Sunday, November 13th, 2016

Sunday, November 20th, 2016

Sunday, November 27th, 2016

Sunday, December 4th, 2016

Sunday, December 11th, 2016

Sunday, December 18th, 2016

Sunday, December 25th, 2016

Sunday, January 1, 2017

Sunday, January 8, 2017

Sunday, January 15, 2017

Sunday, January 22, 2017

Consultation with Dr. Dean


Only in open discussion comes the release of the fears or love of those who surround you. Learn from their fears that you have challenged their minds and hearts to let go of that which is holding them back from being whom and what they were created to be.

Learn from their love to let go of that which your mind and heart has feared is holding your back from being whom and what you were created to be.

Only in open discussion can we all truly learn from each other to be that which we were created to be in love and to let go of that which we fear is against us. We are perfect in spirit when we choose to love more than fear and allow more than resist. Be ye therefore perfect! ~Dean A. Banks, D.D.


Ignoring the counsel of others love or fear separates you from that which you truly are. Learning to understand what fear and love are means that you have chosen to balance your inner life with you outer life perfectly.

As within, so without is the expression of love. As without, so within is the impression of fear. Use fear to navigate the pitfalls of the outer world of beliefs while using love to center yourself in the inner world of knowing.

Balance is the key to successfully navigating through life that in crisis situations always tips to the side of love. For in love we know that we are all connected and in fear we believe we are not.

Be ye therefore perfect in love and not so perfect in fear! ~Dean A. Banks, D.D.

The Spirituality Guidance Channel


When you turn a blind eye and a deaf ear to the atrocities in this world you are NOT sharing Divine love.

You are sacrificing living from your inner spirit to make your ego comfortable, safe and secure.

You are taking the easy way out and when you do all of your dreams and desires will remain just dreams and desires and not blessings fulfilled.

Feel the truth in all and all will allow you to feel your truth within. ~Dean A. Banks, D.D.


May all those who lost their lives in defending freedom all over the world rest in peace. Their sacrifice for all of us will never be forgotten.

Their lives will forever live in our memories as an inspiration for us all to live in peace with each other. We are not separated, but connected. We are not different, but similar. We are not evil, but good.

We are exactly whom and what we identify with and choose to be. Choose to be love by not living in fear. Be therefore perfect, just as your Father who is in Heaven is perfect. ~Dean A. Banks, D.D.

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As long as you base your life in the ‘seen’ world on what you physically sense, emotionally react to and mentally evaluate as being real, you will be missing out on what you can spiritually know about the ‘unseen’ world where the pure energy of Divine love fulfills your life with health, wealth, prosperity and abundance everlasting.

Inner peace comes from accepting what is, understanding that knowing is greater than believing and allowing joy to rule your life by sharing Divine love every day. Faith in the ‘unseen’ leads to trust in how the ‘seen’ unfolds your Divine purpose perfectly in Divine order.

Be ye therefore perfect in faith by trusting that the Divine will allow ‘how’ it unfolds to be perfect in manifesting fortuitous, serendipitous and synchronistic blessings in your life at the right time, at the right place and with the right people.

Trust in the ‘unseen’ more than the ‘seen’ and your life will unfold beautifully now and evermore! ~Dean A. Banks, D.D.






It has been said that generalization is the ego's stable boy or groom. However, over generalization about the facts to distract and lead people astray from the real truth is the farrier of rigid and unsubstantiated beliefs! ~Dean A. Banks, D.D.




Is Living In Wealth Your Divine Right?


Failure is the indicator that you are not doing things in a manner that bears the fruit you need to sustain yourself. It is when you don’t learn from failure that you continue to do things in a manner that repeats failure.

Failure is success in doings things in a manner that yields sour fruit. If you want good fruit, then stop doing what yields bad fruit! ~Dean A. Banks, D.D.

The Spirituality Guidance Channel


The thing that builds muscles is resistance. By working against a force, whether potential or kinetic, we strengthen our muscles gradually until we develop the strength to overcome the opposing forces. But what have we truly gained?

We have reacted to what we perceived as being against us by believing that in overcoming we have won. Is this the truth, or is it what we convince ourselves is the truth? Our egos constantly trick us with the beliefs that what we are doing is for the benefit of all when mostly it is only for our benefit.

Only when we give of our talents, skills and abilities in Divine service to others are we truly acting for the benefit of all. Allowing what we perceive is against us to pass through us without attaching any negative reactive emotions to them frees us from being reactive. In this sense, we can now proact ‘from’ them more than react ‘to’ them! What does this mean?

It means that we accept them for what they are and NOT let them disturb our peace; it means that we don’t resist or fight their very existence as being detrimental to our growth and expansion; it means that we step out of the ‘reactive’ mindset and heartset and live from the spirit within that expresses Divine love to all!

Only when we stop fighting and resisting that which we perceive is against us will we be in the mindset and heartset to start allowing that which we perceive to be the driving force in the mutual growth and expansion of everyone everywhere.

True strength is living from Divine love, sharing Divine love and being Divine love. Anything else is an illusion that fosters acrimony, dissension and fear. ~Dean A. Banks, D.D.

The Spirituality Post


If that's what you think I am doing then you missed the boat. The Republicans most always try to live from the fear of not having the control of natural resources and use that as an excuse to start wars over territories where those natural resources originate.

Their lust for power in being the middlepersons between water, oil and mineral rights are what has caused the deaths of millions of people who they used to extract those resources.

History has proven this time and again. ~Dean A. Banks, D.D.

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It is better to allow than overcome! For in overcoming we believe that we have won something while in allowing we know that we are something other than what we believe that we are. ~Dean A. Banks, D.D.


What does it mean to recognize something? Is it only because you have experienced that something before and you are now re- cognizing it? To cognize means to perceive, become conscious of; know. To know means to cognize and be aware of something by not only thinking about it, but feeling its inherent truth. When you know something you are making a declaration of its truth and its behavior. So, in other words, cognizing means that we think about something enough to concentrate on it, to contemplate how it will work and know how it will turn out.

Recognizing means that we identify something that we have previously seen or known due to our distinct memories of it occurring. When we learn things we initially cognize them and when they become apparent again we recognize them. Take Yeshua, for example. He was taught the Torah at an early age and had a great memory of what it contained. He knew about the stories of how God interceded into the lives of the Prophets and the original Hebrew leaders.

He knew that the Messiah would enter Jerusalem on a donkey and he did it to show the Sanhedrin that he did know those historical allegories and for them to recognize what was in the Torah. He stood up against the established beliefs knowing that he would soon die. He knew that the truth is the most important thing in life; that’s why he spoke it. Are you speaking the truth? Are you recognizing patterns in the results of your current behaviors? Or are you saying what is convenient to protect yourself from harm?

Yeshua spoke the truth despite his knowing that he would die. Why did he do that? Because he showed us what we are capable of when we get out of our own way. When we live from the Divine love in our hearts the Creator takes care of us. It is not the romantic old man in a chair being beneficent or capricious. It is the universal spirit within that gives us life, love and the pursuit of happiness. Defend the truth only after you have verified its veracity and validated its occurrences. If you don’t, you are NOT providing the due diligence necessary to come from a static state of believing into a dynamic state of knowing! Be reasonable and ferret out the facts BEFORE you declare anything!

Recognize the events, occurrences, situations, circumstances and the behavior of yourself and others that have contributed to exactly where you are now. Use the written teachings to GUIDE you within AND make the time to go within to LISTEN to the still small voice of God guiding you and directing you to be at the right place, at the right time and with the right people to fulfill your destiny of unfolding your Divine purpose in Divine order. Be whom and what God created you to be by trusting in the Infinite Spirit COMPLETELY! If you don’t, you will continue to cognize and recognize ad infinitum without ever knowing whom and what you were created to be. You have a purpose. Discover it and make it happen! ~Dean A. Banks, D.D.


Share the gift of love that has been in your heart from the day you were born until now. That’s why it is there.

Stop denying it and start embracing it. When you do, all that you’ve ever desired to be, do and have will come to fruition.

This happens all because you choose to share love. Why aren’t you right now? ~Dean A. Banks, D.D.


Knowing comes from allowing and beliefs come from learning.

Choose to know more than believe because it frees you from the shackles of others’ opinions and sets your spirit free to guide you. ~Dean A. Banks, D.D.


It's in the reflection of reality that we come to believe that a copy of reality is just as real.

It’s in the projection of Divine love that we come to know that reality and its copies are but illusions designed to occupy our minds with perceptions to fulfill our Divine purposes in Divine order.

  We are the mountain; we are the river; we are the Divine love! ~Dean A. Banks, D.D.


It has been said that in order to thrive we must let go of resistance and expectation. Resistance, yes, expectation, a resounding NO! How do ever get anything without expectation? It is ludicrous to believe that anything that ever was and will be comes about without the expectation of it occurring!

I seriously don't know where some people get their information from when they don't understand what terms mean and they make memes and sayings that contradict the very thing that they are trying to impart. They are negating the truth with semantics in order to support their own misunderstanding of reality.

Peace comes when you let go of the things that are negating your progress. Frustration and depression come from not knowing how the omniverse works and believing that there is nothing you can do about aligning yourself with Divine order.

Know what you are saying BEFORE you say it or you will be shackled by your erroneous beliefs and their detrimental outcomes. ~Dean A. Banks, D.D.


Miracles are what those who don’t understand how the omniverse works call events, occurrences, situations, circumstances and the behaviors of others. We are Divine love in action and we co-create our reality whether we know it or not. Life unfolds perfectly in Divine order whether we recognize it or not.

What is perfectly natural becomes supernatural to a mind that does not know how Divine love works and why it does what it does. It needs to justify what it doesn’t understand by labeling it extraordinary in order to distinguish its apparent ‘miraculous’ occurrence.

A self-fulfilling prophecy begins when what is naturally occurring becomes that which appears advantageous to oneself and is personalized as being a miracle for them.

See how Divine love unfolds your Divine purpose perfectly in Divine order and grow up into the awareness that there aren’t any such things as miracles; only the infinite expression of Divine loves everlasting! Peace. ~Dean A. Banks, D.D.


No matter how things appear in the outer world, never allow what you know you need to do to unfold your Divine purpose in Divine order be stifled by allowing fear to take hold and convince you of its version of how things will play out. Choosing fear is like stopping to tread water, sinking down and allowing yourself to drown in a false reality. The truth is that when you let go of trying to control, dominate and manipulate everything in your life you will then, and only then, be allowing the truth of Divine love to flow through you and out into your world.

Our job is not to know how things will unfold; our job is to trust the still small voice of the Divine within our inner hearts to unfold our deepest desires in Divine order. It is when we try to take the reins and do what we ‘believe’ is best is when we err. True knowing of spirit comes from allowing Divine love to rule your life. Anything else, is fooling yourself. If that’s what you choose to do, then so be it. It is your life and your right to do whatever you ‘feel’ is right for you. When you regularly spend time with the Divine within in peace, silence and stillness each and every day, you will be guided to what is true for you and not necessarily anyone else.

Share your joy with others but never try to control, dominate and manipulate events, occurrences, situations, circumstances and the behavior of others in order to bring recognition to you. When you do, you are fooling yourself with false values that appear to be humble, but in actuality, are quite selfish. Live from your true Divine values of peace, understanding, joy and Divine love everlasting and health, wealth, prosperity and abundance will always be yours! Don't believe that; trust that!!! ~Dean A. Banks, D.D.









The Spirituality Post



Spiritual Books

Me And Friends Sunrise At Two Lions Dawning Of Erato Spiritual Growth: Articles Of Expectation Seventh Major Understanding I Ordered My Future Yesterday Zendor The Contrarian The Prayer That Jesus Prayed Re-Entering Eden A Dialogue With Jesus The Fun Way Of Physical Immortality Philosophy Shift: Twelve keys To Shift Your Life Spirituality: The Awareness Of Reality An Ethiopian Odyssey My Life As A Heathen Miraculous You Bigger Than The Sky Little Book Of Light (Volume 1) The Essential Mind Attract Money Now Love's True home Prosperity Now

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When semantics take precedent over intent, time is wasted on picking at nits instead of solving the problems! ~Dean A. Banks, D.D.

Jesus never said not to judge. He said that if you do judge, you will be judged. He also said that experience fosters just judgment and that is something we should use to live our lives. ~Dean A. Banks, D.D.

Never worry about what might happen next! Pray for the beauty to unfold that is here NOW! ~Dean A. Banks, D.D.

When you give and receive with someone and expect the best to happen for both of you, it will! If you expect nothing, both of you will get nothing. If you expect everything good for both of you, it will come only when both of you will allow it! ~Dean A. Banks, D.D.

If you discriminate against anyone who doesn’t harm you based on your beliefs, you are a bigot. Bigots have no place in a world of peace. They must learn how to appreciate people that are different than them by recognizing that we are all connected through the spirit within. Until they do, we will not know complete peace in our world. ~Dean A. Banks, D.D.

When you give to others what you desire the most you are sharing Divine love into your world...AND theirs! ~Dean A. Banks, D.D.

Lovers get up every morning looking for someone to encourage, support and love! Be thankful for your life; get up out of bed; wake up and share Divine love with everyone that you encounter. Be the love that you KNOW you already are! ~Dean A. Banks, D.D.

A tool is of no purpose when you realize that it is an extension of your lack of understanding! ~Dean A. Banks, D.D.

You cannot figure out the system completely until you get out of it and look back at it. As long as you are contained within the system, you can use the math to predict how the system will act but the intelligent design from its causality is not the math; it is the benchmark of the math! A tool is of no purpose when you realize that it is an extension of your lack of understanding! ~Dean A. Banks, D.D.

As Divine order unfolds be amazed what it does! For in accepting what is as it is we can come to understand why it is being actualized in its factual manner of expression for the beauty of all. ~Dean A. Banks, D.D.

It is in the act of giving of ourselves to others that we come to know the pure essence of Divine love. For Divine love is not Divine love unless it is freely given to others! ~Dean A. Banks, D.D.

There is a space between man’s imagination and man’s attainment that may only be traversed by his longing. ~Kahlil Gibran

Those who dare to fail miserably can achieve greatly. ~John Fitzgerald Kennedy

The world is but a canvas to our imaginations. ~Henry David Thoreau

Imagination is more important than knowledge. For knowledge is limited to all we now know and understand, while imagination embraces the entire world, and all there ever will be to know and understand. ~Albert Einstein



Asking, Seeking, Knocking Aspects Of Humanity Attitudes To Be A Foursquare Approach To Unfolding Your Divine Purpose In Divine Order What Is Judgment? Maturity Overcoming The Seven Habits Of People Who Completely Trust In God How Do I Discover The Truth?

Live It On The Outside Love Cures A Step Away Thunderfunkfusion Angel Life


The only being you should ever worship is the Spirit of God within.

Your love, devotion and reverence to the Divine comes when you stop trying to control, dominate and manipulate what you believe you need to do in order to get what you want.

Divine trust is letting go of how things bless you and trusting that you will be blessed. Be perfect just as the Spirit of God within you is perfect. That is the secret to living well! ~Dean A. Banks, D.D.


The secret to unhappiness is to believe that you should live your life with low expectations.

When your level of expectation does not match your level of desire, you live your life unfulfilled, frustrated and mediocre.

If you don't believe this, then look around you. Are you living your dreams or still living dreaming about them? ~Dean A. Banks, D.D.


Allow your inherent beauty that flows Divine love from your inner well-being to manifest your Divine purpose in Divine order.

  Stop limiting its flow by trying to control, dominate and manipulate that which you believe you need to do instead of just allowing what you know you have to do to guide you to complete fulfillment.

Just get out or your own way and live in Divine beauty! ~Dean A. Banks, D.D.


We have all been taught that gravity sucks. Well, the truth is that it doesn’t. It pushes against us instead of pulling us down.

It is a centripetal force of pushing down to the center and not a centrifugal force of pushing up away from the center.

Just as the life of a star is determined by the dance of radiation pressure and gravity, so are our lives by the way we balance what is pushing us down and what is pushing us up.

It is in how we handle the pressures of life by allowing and not resisting that we live in our Divine purpose as it unfolds in Divine order. ~Dean A. Banks, D.D.


May you always allow that which is for you to be what grows and expands from within you, while allowing that which from the outside of you that appears to be against you to pass through you. If you don’t, your emotional resistance will be what destroys and diminishes you when you attach negative emotions and reactions to it.

Be in command of your life by realizing that the Divine is in command and NOT your ego! Be focused on what edifies and not on what deceives you into living in mediocrity.

Be perfect in unity by expressing your diversity through allowing more than resisting. It is your choice and only you can make it! ~Dean A. Banks, D.D.