 What brings you in? My money keeps growing. Savings growing? Uh-huh. Checking too? Yeah. Low rates on loans? Yes. It's Jovia-itis. It comes from not-for-profit banking with Jovia and causes an inflammation of money and happiness. Is it contagious? Sure is. And the best thing you can do is spread the wealth. Jovia-itis is caused by not-for-profit banking. Symptoms may include happiness, reduced stress, and general feelings of financial freedom. Do not join Jovia if you are allergic to great rates or brighter banking.