This is a simple addon that basically ducks the Voice Over volume temporarily to zero when a few things happen
- You interact with a banking NPC
- an NPC chats or yells, and you've heard it before
This addon was brought about by the insanity that the bank lady in Daggerfall causes
You can add and remove npcs from a whitelist that will cause the addon to ignore them. Use this if you like the bards in the inns and the like.
Use /baladd and /balremove then click/mouseover the npc you wish to manage. (NB, you may have to fiddle a bit with the list if someone runs in front of your cursor when you're trying to add/remove an npc =P)