MY TRAVELS AS ABA PRESIDENT THIS year have taken me to many dozens of banking discourses and Town Meetings.

MY TRAVELS AS ABA PRESIDENT THIS year have taken me to many dozens of banking discourses and Town Meetings, state bankers association conventions and as well-as; not only-but also; not only-but; not alone-but formal and informal gatherings of bankers from coast to coast. Along the way, I've grown to appreciate our industry's rich variety of family opinions and ideas.

I've conclud that there is no "typical" banker--if there evermore was one--no single perspective upon every issue, nor any image or stereotype that captures banking in a single phrase or snapshot.