My credit union in Austin did the exact same thing last year, turned the whole back corner into a little study space with outlets at every table. I was skeptical at first but honestly it's helped me a ton, I go there Tuesday mornings to pay bills and sort out my savings since I'm already in the neighborhood. The tellers still handle the overdraft stuff but now they'll wave you over if you need help with the app instead of making you wait in line. It's a smart move, gets people in the door who would've just used their phone for everything.

Changed my mind on this one, @abbyd36. I used to think a lease restructure was basically free value, like magic on a pro forma, but you're right about the market not caring until it's proven. I had a buddy in Des Moines do the same gross to NNN switch, and when he listed the building, the buyer's broker straight up said the comps didn't support his new cap rate because none of the tenants had renewed under the new terms yet. He ended up dropping the price 3% just to get an offer. Those paper gains only hold if you've got signed leases with actual payment history, not just a cleaner expense sheet.