Our house was being constructed. It was raining. It was also Christmas Eve. Our banker was with us to arrange the financial aspects of the process. Did I say it was raining? To break up the time, I snapped him during the long deluge, trapped in our car. It wasn't untill after downloading the day's "catch" did I notice the very sinister, mysterious and intriguing gentleman framed in the rearview mirror. Our banker, Bill, is one of the gentlest, softspoken and down-home sort of guy anyone could know. What a transformation!