If you receive an email that appears to be from Community First claiming your Online Banking access is frozen and asking you to use a link to re-authorize your account, do not use the link to enter your login and password information.
Carob is often used as a lactose-free alternative to chocolate in baked goods. Many people have an allergy or intolerance to the lactose found in dairy products. Soy milk is a popular alternative to dairy.
Consuming decaffeinated green tea can also help if caffeine is the problem, while drinking tea without dairy products may help if you are lactose-intolerant. Using a substitute, such as a soy-based creamer, might also be of benefit.