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Why not check out 2017's Video Game Gift Guide for a list of nominee worthy titles. The objective changes every year, so why not pop over and see what we are doing this year. COBOL applications are very much woven into our daily lives. Its estimated that an average American interacts with a COBOL program 13 times a day Every time we use an ATM, mobile banking, book an airline ticket, access healthcare services, make a purchase online or make an insurance claim, we could be using COBOL applications to process these transactions and most of them are processed on IBM z Systems.