before logging in as a character we could login to the bank and see all BANK spaces for the account and be able to move things around between bank slots of all characters and shared ...NOT BACKPACK...much like real life and a joint owned bank account would allow two or more to access the account.-/-this would allow the person to look for that missing item or condense collectibles and such without logging in and out of 10 toons putting a lag on the servers the whole time-/-could charge for it = DDO more money-/-