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... p>Today he was smoking a cigar as usual, sitting in his office looking at the latest land prices across the United States.

Suddenly a young man stumbled in, and before the young man could speak, Koschko spoke first.

"Look at your appearance, Jim. We are the second largest bank in the United States, so flustered, it will make those high-end customers think we are unreliable. Remember to be graceful no matter what happens."

"Mr. Kosico, there is a gentleman out there demanding ...

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