"The conservative banker is an impressive specimen, diffusing the healthy glow which comes of moderation in eating, living, and thinking. He sits in state and spends his days saying, with varying inflections and varying contexts, 'no.' ... He says 'yes' only a few times a year. His rule is that he reserves his yesses for organizations so wealthy that if he said 'no,' some other banker would quickly say 'yes.' His business might be defined as the lending of money exclusively to people who have no pressing need of it." -- Fred Schwed Jr.