I first recall being in a bank, with my grandmother, when I was about four years old. At that time there was a huge element of deference to banking. There was a rather plummy and arrogant man behind the bank counter, and I always remember my grandmother saying to him: "Young man, your job here is to count my money. I expect your full attention, and I expect you to remember that while you are there and I am here, you are my humble servant."