I was waiting in front of one of my branch manager’s desks at the Manhattan office, looking over the numbers for a loan that Richard approved. The client wasn’t returning his calls. He sat, wiping the sweat off his face. “Richard, I don’t care what he says; I have the contract he signed in front of me. I propose you do your job and make sure he understands that Ethan West doesn’t play by someone else’s rules.” “Sir, I understand, but he recently closed his offices and left the state.” With a furrowed brow, I asked, “And how is that my problem? I’ve repeatedly told you that no loans should be approved out of this branch without my sign-off. That was after your last screw-up with the Walters Shipping Company that cost me one-point-two million dollars.” A knock at the door interrupted us,

