I just got back from a wine tasting in a Bank. The bank reminds me more of an apple store in it’s spaciousness but all the people working there are all solid knowledgeable bankers who are putting the relationship R bank in Banker. I know a banker who just retired from banking to start his own insurance agency, and I thought Steve was the last great Banker. Perhaps the staff at Citibank understands this and is developing their business from the outside In.