I know where I'm going. And I know who I want to be. That's why I took this job in the first place . . . and why, four years later, I still put up with the clients. And their demands. And their wads of money. Most of the time, they just want to keep a low profile, which is actually the bank's specialty. Other times, they want a little . . . personal touch. My phone rings and I tee up the charm. "This is Oliver," I answer. "How can I help you?"