DALLAS -- What do you do when someone wanders into a branch and demands $23 million in gold that he says is owed him?

If you worked at BankAmerica Corp.'s Houston branch last week, you would have called the home office. At least that's what one branch official did when confronted by a man claiming the bank was part of a secret government deal to return to the gold standard and to distribute the precious metal directly to Americans.

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