The certainty of death and taxes is equaled only perhaps by the use of banking and financial records for insurance investigations. How we view those records is changing in this new millennium. Traditionally, ending balances determined financial health, while overdrafts demonstrated hardship. While such information is insightful, financial records now provide much more useful data if we are willing to look behind the curtain. Buying only what you can afford with cash may be fiscally sound, but cash leaves no trail. After years of predictions, the end of cash may be near.