Getting to his desk early the next morning, Steve spied the note he had left on his desk about SunTrust Bank. It said: Newly opened account and not much in it but a pending transfer for ten million dollars. Call on that later. Looking at his watch he knew the bank president and decided to catch him before he went to work. Rifling through the papers on his desk he found his telephone and dialed the number for Michael James Kilpatrick, President of SunTrust Bank. On his fifth ring, a growly voice said, “This had better be important.”  And he said,

“Yes, Dad it is. How come you aren’t up to getting ready to go to work?”  And his father answered,

“Don’t you listen to your voice mail messages or read your email? I am stepping down from my everyday duties to spend time at home and transitioning into retirement. What can I do for you, son?”

Hearing his son’s chair rolling up to the desk and some rustling o