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Make/take notes. Sometimes the act of writing the notes helps your recall later. If you feel that you still can't recall your notes from memory, then refer to your notes and ask to delay any debate about the topic until you have them in front of you.

Your recall may improve if you hand write your notes versus typing them out.

Well, the fixed costs could probably be reduced, but there currently isn't an incentive for the bank to pass that reduction on to you, the customer.

I was recently diagnosed with ADD. I would have trouble staying focused on tasks, drift to something else and lose an hour or so. Procrastination and underachieving were a constant theme throughout my life (child and adult). I've been taking Adderall twice a day for the past month. It's a huge improvement. I can stay focused on a project for an entire workday and not have the desire to drift. For me, it feels like time is slowing down. I can process my inbox and check the daily websites in say 15 minutes, where some days it would last an hour or more, due to not being able to stay focused. It takes a few days to get used to the initial rush (30 minutes in).

If you think you're having trouble, go see a Psych.D and be evaluated. I should have gone 15 years ago.