We are also pleased to present in this edition what some would consider our candidates for future Banker of the Year - our "40 Under 40." They are listed in alphabetical order.

This crop features a variety of bankers who see opportunity in adversity, and gladly wrestle with it. George Gilder, in a 1984 book called The Spirit of Enterprise, was describing such go-getters when he contrasted them with those he called "the entitled children." The entrepreneurs are people "who see that civilization is not routine or natural, that it swiftly declines and decays on 40-hour weeks, who know that to maintain a net profit in the world's accounts is a titanic cause."

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