Credit card applications via automated teller are all the rage abroad these days. That's why Russia's Sberbank is using Speech Technology Center's voice recognition system in its new ATM to tell when you fudge your financials to get approved. Like a polygraph, the technology senses involuntary stress cues to ferret out fib-filled statements -- only instead of using wired sensors, it listens to your angst-ridden voice. Designed using samples from Russian police interrogation recordings where subjects were found to be lying, the system is able to detect the changes in speech patterns when a person i