One day, a smooth looking customer walks into a Texas bank. He had on the right suit, with the proper Texas power broker Stetson hat and ostrich skin cowboy boots. He had a thick business plan in a beautiful portfolio. He told the bank VP that his company was planning a huge expansion and wanted a bank that could expedite their plans. He asked if the bank could OK a $1 million loan in one business day. The VP assured him they could, and the next morning they presented him with a check. He walked out and was never heard from again.