app/models/bank.rb in has_accounts-0.16.0 vs app/models/bank.rb in has_accounts-0.17.0

@@ -1,9 +1,11 @@
-class Bank < ActiveRecord::Base
+class Bank < Person
   has_many :bank_accounts
 
   has_vcards
 
   def to_s
+    return "" unless vcard
+
     [vcard.full_name, vcard.locality].compact.join(', ')      
   end
 end