HR Manager

I think that not relying too heavily on one bank and one bank manager is a good rule to learn.

Part of America's industrial problems is the aim of its corporate managers. Most American executives think they are in the business to make money, rather than products or service...The Japanese corporate credo, on the other hand, is that a company should become the world's most efficient provider of whatever product and service it offers. Once it becomes the world leader and continues to offer good products, profits follow.

When a manager asks for hard data, that's usually just his way of saying no.