cold-called the owner of the tiniest credit union in all of canada, just over the north dakota border in saskatchewanvince. and he went over, wooed him over a steak dinner, and convinced him to sell him the credit union, and then he had to convince the regulators, and that was quite a job which continues to this day. out of that came pacific and western bank and david taylor's spectacular success as an entrepreneur. here he is. david taylor, welcome. we of course like to establish the bona fides of any guest, to make that we're introducing a proper person to our audience, and so i have here some of your previo jobs: maximum-security prison guard, grain loader in thunder bay, door-to-door vacuum cleaner salesman, paper mill worker, portage crew in northern ontario, and it doesn't stop there. you're a pilot who designed his own plane, a mechanic who owns 7 motorcycles, a techno geek who built his own computer, and a biology graduate who majored in fisheries. and obviously, then, you were the ideal banker, and so pacific and weste you a lot, and so welcome, and why that much variety in your past careers