excerpt
“I would like to see Mr. McQuaid, the branch manager,”
said Joel.
“I’m sorry Mr. Hooper, but Mr. McQuaid is no longer with this
branch. He has transferred to our Denver offices. I am the new
branch manager, can I help you with something?” said the attractive,
middle-aged woman who Joel, conditioned in his paradigm
of chauvinism, had mistaken as a receptionist.
“Well ma’am, I sure hope so.” Joel hoped he would have a clean
slate with this manager, and not have to deal with the negative
impression he had made on his earlier visit. Joel continued, “You
see, my daddy used to bank here, and I am running short of cash
and was hoping that maybe you could help me out with a loan.”
“Why don’t you come into my office, Mr. Hooper, and let’s see
what we can do for you.”
Even if he didn’t get any money, Joel was certainly appreciating
the treatment he was receiving on this visit. The last time he was
here after his dad died, he had waited over ninety minutes to see
Mr. McQuaid, who, as the secretary explained, “was a very busy
man.” Finally, when he did get to sit down with him, Mr.
McQuaid told him that an old, rundown ranch yard and a
half-section of land really had no market value. According to Mr.
McQuaid, the Circle H could never be a functioning cattle operation
without access to at least several additional sections of
pastureland, and his home ranch was essentially worthless. Furthermore,
Mr. McQuaid also advised him that horses were worth
a dime a dozen. Joel had tried to explain the breeding and value of
his livestock to the young, city-raised banker, but it all fell on
deaf ears and he was quickly dismissed.
Finding himself on the street outside the bank within five minutes
of being ushered into the branch manager’s office, Joel had
retreated back to the ranch and made up his mind to cut expenses
wherever possible.
But now, he had run out of ways to cut costs any further. Joel
needed cash not just to pay off some of the bills …
Manolis Aligizakis 