Manhattan Reborn 1978

new York.

Wall Street, Stanley [-]th Floor.

The intimate interaction between David and Livlin was quite enjoyable for Leslie to watch. .

The two people, who cooperated tacitly, saw that Leslie's expression was starting to become unnatural, and the heat was almost over, so they quickly ended this "show". .

Livlin readjusted her sitting posture, stood up and returned to Leslie's side. She smiled at David and asked, "Did Lilith come to work today too?"

"She should be in her office."

"Okay, you guys chat, I'll go find her to talk about cooperation."

After saying that, Livlin kissed Leslie gently on the cheek, threw a look at David, and left in a happy mood. .

Leslie glanced at the re-closed room door, turned to David and complained: "You two, are you deliberately making me angry?"

"Hahaha~"

"A woman uses a little trick to make you jealous. This is just a routine operation."

"What? You don't really think she would cling to that little thing, do you?"

Leslie rolled her eyes and thought for a while, then shook her head helplessly and said, "My father and mother both like Livlin very much..."

"What about you? You don't like her?"

"..It's not~"

"I just don't want to be bound by marriage so early~"

David's face showed an expression of "I understand you" and he chuckled: "Then you guys can be lovers for a while first, and then we'll talk about it when you think about it~"

Leslie nodded silently, looked at David, recalled some scenes at this family gathering, and asked.

"Do you... want to meet Grandpa David?"

"He went back to New York too?"

"Yes, do you have anything to do later? Should we go now?"

David pondered for a few seconds, nodded to Leslie and said, "Okay, let's go now!"

----

Manhattan.

Wall Street, Danaus Credit Ratings.

Lewis Ranieri, who was in charge of MBS's first batch of credit rating projects, shook hands with Danaus staff with a smile and said goodbye.

(MBS: It can be simply understood that the housing mortgage loans issued by banks are screened by investment banks, sent to credit rating companies for evaluation, and then packaged and sold to securitized products for investors with long-term and stable income needs.)

(Because MBS’s long-term and stable income is slightly higher than bank deposit interest rates and its investment risks are low, it is favored by government pension funds and conservative investors.)

(Among banks and investors, the investment banks responsible for packaging and selling MBS gave MBS a more popular name: pass-through securities.)

(Investment banks’ charging standards for pass-through securities are generally about 2 percentage points.)

(Also: Lewis Ranieri did exist in real history.)

After a few minutes.

Lewis Ranieri led his three men to stand by Wall Street, looked back at Danas, and prepared to walk back to Morgan Bank with a relaxed expression.

Since Finance Minister Fulena Kurutel announced at a meeting of the New York Fed a few days ago, Danas Credit Rating Company will be solely responsible for the rating work of the first batch of MBS projects.

Through the unremitting efforts and cooperation of many people, the work progress of Lewis, the leader of the MBS project team, is as efficient as a rocket. .

Today, the first batch of securitization products worth $2500 million for the MBS project received a 3A credit rating certificate issued by Danas.

leftover. .There is no need for Lewis and others to waste their energy on promoting sales~

The customers of this MBS have been waiting at Morgan Bank for a long time~

----

Wall Street.

After David and Leslie came out of Stanley, Leslie suggested that the two of them walk to Chase Manhattan Bank.

David understood that Leslie wanted to use this time on the road to say something, so he turned back to explain a few words to the three bodyguards.

Except for the second brother Lavis who took a temporary leave today, White Mike, Giovanni, and Black Mike approached One-Eyed Andres and simply assigned their respective tasks.

One-eyed Andres, along with the big man Zack and the soldiers who followed today, are responsible for the front, rear and side security work that is a little further away. The three bodyguards and Leslie's bodyguards are responsible for the security work nearby. Security work.

2 minute later.

After David waited for Leslie to explain a few words to Livlin's bodyguard, the two of them talked and laughed side by side and walked towards the corner of the street.

. . .

on the way.

David turned to look at the bodyguards in front of him, behind him, and around him, and smiled at Leslie: "It seems... the kidnapping of Patty Hearst has created a lot of jobs invisibly~"

"The Hearst family was almost disgraced because of Patty's incident~"

"Yeah~ Actually, I can understand that your family is afraid that you, like Patty, will be targeted by the robbers and kidnapped..."

A look of gossip appeared on David's face, and he asked with a smile: "Say...if you were kidnapped, would your family agree to the robber's conditions?"

Leslie made a big-eyed expression and sighed helplessly: "I will leave a letter to my family later~ If I am kidnapped, the first suspect will be you, bastard!"

"Hahaha~"

David smiled and hugged Leslie's shoulders, shook his head and said: "Tsk~"

"It's not cost-effective to kidnap you~"

"How much money can your family give you?"

"Kidnapping... Livlin is the most cost-effective deal!"

"You don't need to pay at all. The trust fund in her name alone is worth hundreds of millions of dollars, right?"

"Besides... you are her boyfriend, and you have led her to meet her parents and family members~"

"If something happened to her, would you choose to remain idly by and watch?"

Leslie's eyes were as wide as bells, and she cooperated with David's "joke" and whispered: "Don't do that stupid thing!"

"Livlin's father, old Cherov is a cruel man. If he catches you... the rest of your life will definitely not be easy..."

"Your future father-in-law is a ruthless man, aren't you afraid?"

"...What am I afraid of? I'm not marrying him~"

"Hahaha~ What you said makes so much sense, I'm speechless..."

. . .

The two chatted and laughed, walked to an intersection, and waited for the signal light.

Leslie put away her joking expression, looked up at the red signal light on the opposite side, and said to David.

"Chase Manhattan Bank can be called Chase Bank for short, and some people call it Chase Manhattan Bank."

"Chase Bank was founded in 1799."

"In 1955, Chase Bank and Manhattan Bank Corporation merged and were renamed Chase Manhattan Bank."

“In 1972, Chase opened a banking office in Moscow!”

"It was the first U.S. bank to set up a branch in polar bear country after 1920."

"And the person who went to Moscow to discuss opening an office that time was Grandpa David whom we were going to meet~"

David raised his eyebrows and smiled. When he saw the traffic light turned green, he pulled Leslie across the street, took the initiative to slow down, looked serious, and looked like he was listening~

Leslie seemed to have prepared a plan and continued.

"More than a decade ago, in the 60s, Chase Bank purchased shares in some banks in Bath, Venezuela, the Netherlands, Honduras, Belgium, Ireland and other countries."

"In the past few years, after entering the 70s, Chase Bank formed an international banking alliance with the Royal Bank of Canada, the Federal Reserve Bank of Germany, the British National Bank of Westminster, the island country Mitsubishi Bank, and the Italian Credit Bank to jointly operate International banking, which makes loans to governments and private companies.”

"Now, Chase Bank's main businesses in the country include credit cards, home mortgages, car loans, etc."

"Chase Bank has also invested a lot of money in petroleum, metals, minerals, electronics, agriculture, etc., and its business has spread to many countries around the world~"

When Leslie said this, she paused for a few seconds, looked at David and continued with a smile.

"Chase Bank...is the most important financial core of our family~"

"We have been continuously cultivating our own talents and providing them with professional training that keeps pace with the times, so that more employees can keep up with our rapid development~"

"Grandpa David once said: Our own strength is reflected in the fact that we must keep our talent team ahead of the speed of career development, so that we can adapt to the development environment of the international financial market faster and better, and stay ahead of the same industry. at the forefront~"

“So, Chase Bank attaches great importance to talent training!”

"Because, this is also an investment~"

“It can bring us huge long-term and stable benefits~!”

"Almost all domestic commercial banks now have a consensus on this point~"

"But they're not doing as well as Chase..."

"Chase Bank spends tens of millions of dollars on employee training every year."

"The bank's vocational training department employs dozens of full-time and part-time training managers with rich experience, who are responsible for providing multiple rounds of large-scale training to employees every week, every month, every quarter, and every year."

"The bank also combines training with a reward and punishment system. It clearly stipulates that anyone who refuses to participate in training multiple times without justifiable reasons will be fired."

"In this way, we will promote the enthusiasm of all employees for training, and let all senior managers set an example for employees and play a leading role, so that participating in training becomes an extremely common and important part of employees' daily work. part~"

. . .

Leslie talked endlessly about the regulations and efforts Chase Bank has made in internal employee training.

After David listened very carefully, he sighed in his heart~

The United States is a capitalist country where money comes first!

In such a capital country, the main reason why Chase Bank has been able to endure for hundreds of years is that it has never stopped providing professional quality and business training to all employees.

Chase Bank is very smart to take the boring-sounding training and give employees a sense of mission, establish interesting classes, actively listen to employee feedback, and constantly update training content, etc., so that employees will be more motivated to learn from you, and they will naturally be full of energy. Son. .

Even the lowest-level employees can go through the talent selection and promotion channels established by the bank after a long period of professional training, so that these ordinary low-level employees who work tirelessly to learn can have a relatively fair and fair way to continue to be promoted and increase their positions. Salary, opportunity to become a senior executive in a bank!

At the same time, if the bank discovers that its employees have quietly done good deeds, no matter how big or small, they will give internal praise, let everyone know about the employees' good deeds, and provide various rewards~!

Rewards and punishments are clear!

Almost everyone knows this~

The teachers in the school are the ones who use the method of clear rewards and punishments the most. . .

But David clearly understands that it is not easy for Chase Bank, a large multinational commercial bank, to maintain a work attitude of clear rewards and punishments!

In Leslie's introduction, bank executives have very clear requirements for themselves, and they must have clear rewards and punishments!

Can't do it?

go!

. . .

David and Leslie walked slowly to one side. .In front of the low wall that says "CHASE".

He looked up at Rockefeller Center.

Among the clusters of high-rise buildings stands the Chase Manhattan Bank Headquarters ~

In his mind, he recalled the last words Leslie just said.

"Ordinary people tend to measure everything in terms of money."

“But money is not everything!”

"Give employees goals and directions for their work, so that they are more eager to fulfill their inner wishes for the company and society through learning and work, instead of simply working hard for future promotions and salary increases."

“The sense of responsibility, achievement and mission are the core honors that Chase Bank, in addition to monetary rewards, wants employees to ultimately experience and gain through learning and hard work.”

. . .

Chase Bank headquarters building.

Leslie led David to the fifteenth floor with ease.

He asked a staff member a few questions, took David to a conference room, stood at the door, and looked in from a small window.

David looked inside from Leslie's side curiously.

in the conference room.

An old man with white hair was smiling and talking to a group of middle-aged and elderly people: "Today, we will stop here first~"

“If you still have any questions, you can come and chat with me at any time~”

"Hahaha~"

The people who sat below and listened to the lecture gave warm applause to the white-haired old man.

Leslie pointed to David and said, "Their class is over. Grandpa David is sitting in the back. Let's go in~"

"...Okay~!"

(I mention it here for everyone’s convenience~ Among the five Rockefeller brothers, Leslie’s grandfather is the second brother Nelson; Bob’s grandfather is the third brother Louis; the grandfather David mentioned by Leslie is the fifth, and his age The smallest one.)

. . .

After the applause in the conference room stopped, Leslie knocked on the door and led David into the conference room~

Everyone in the conference room showed kind smiles when they saw Leslie walking in.

The white-haired old man smiled at Leslie and joked: "What? You want to come and study again?"

"You're late, boy!"

Leslie smiled and hugged the white-haired old man, looked at Grandpa David, and explained to everyone: "I will introduce someone to you~"

"He's David, my best friend!"

David, after Leslie's introduction, bowed slightly to everyone who looked at him critically and said with a smile.

"My name is David Coleman!"

“I’m honored to meet you all here!”

"Haha~" Several people responded with kind laughter to David, a tender-faced boy.

David, who was sitting in the back row of the crowd, stood up with a smile and waved to Leslie: "Come here~"

"David, this is not the first time we have met!"

"Today, you came just in time!"

"We still have a little time before lunch break, how about you come and tell us casually?"

casual. .Tell me?

David turned to Leslie with a confused look, spread his hands and whispered: "What is going on? I am... not prepared!"

Leslie bared her big white teeth, patted David on the shoulder, and whispered in a sympathetic tone: "It's just an emergency~"

"Don't panic, just talk about it casually~"

"You...I...#￥&#￥x￥..."

David didn't even know what dirty words he was muttering. .

He could only look at his friend Leslie who was gloating about his misfortune in the eyes of everyone, and ran to sit down next to old David, and gave David a look of "I'm optimistic about you!"

David opened and closed his mouth nervously a few times, looking at the Chase Bank executives with various expressions on their faces in the conference room that had returned to silence. He immediately issued an order in his mind, forcing himself to calm down first.

Just talk about it?

Then just talk about it~

Judging from his age, the youngest person in the conference room could be his father. .

What is he afraid of?

Make a fool of yourself and make a joke?

nonexistent!

David quickly completed the mental preparation for himself, took a few deep breaths, took a step forward, and laughed loudly to everyone.

"I just graduated from high school, I haven't read much, and I can't make any big ideas~"

"So, I will tell you some interesting stories~"

"I hope everyone... can have a good laugh~"

"Hahaha~"

"Clap clap clap~"

Old David, who was sitting in the back row, took the lead in applauding David amidst the laughter of everyone, and whispered to Leslie next to him.

"Where are you from?"

"Stanley~"

"Um.."

Old David looked at David who had relaxed and really told everyone a short story, with a smile on his lips.

. . .

After a round of applause, David rubbed his hands and told a short story to everyone.

"There's a two-horse wagon."

"Two horses, one goes very fast and works hard to pull the cart. The driver rarely waves his whip at it~"

"The other horse walks lazily and slowly. It has never felt that pulling a cart is its job~"

"What about the coachman? He will keep waving his whip at the lazy horse, hoping that the pain will stimulate it to go faster."

"Later, the coachman lost patience with the lazy horse and changed the carriage into a fast horse to pull the cart and transport the goods alone, while the lazy horse was abandoned at home."

"Lazy horse, when I saw the fast horse struggling to pull the cart in the horse pen, I couldn't help but smile proudly in my heart: Tsk~ The harder you work, the more you will suffer from the torture of work~"

"But, the good times don't last long~"

"When the coachman realizes that if a horse can do the job of pulling the coach, why do he have to keep a lazy horse?"

"So...he killed the lazy horse and made this guy who was used to being lazy never have to work again!"

David let go of his hands that were rubbing each other, and smiled frankly to everyone: "This story tells us~"

“When you make people think you are dispensable, the day will not be far when you will be kicked away~”

. . .

It was quiet in the conference room~

It was old David who was sitting in the back row again, who took the lead in applauding David and said with a smile: "Not bad~"

"another one!"

"..."

Amid the applause of the crowd, David looked at Old David and resisted the urge to run over and kick him a few times. .

He tilted his head and thought for a moment, ignored Leslie's thumbs up at him, and continued to tell the second story.

"We all know that the weather in New York is getting colder now, and many migratory birds will fly south to avoid New York's cold winter in warmer places."

"There was a little bird that failed to fly south in time. Only when the weather turned cold quickly did it realize that it should fly south~"

"But on its way to the south, it unfortunately encountered even colder weather. It was frozen to death and fell from the sky~"

"However, fortunately, it was not killed, but fell into a farmer's cowshed."

"The little bird felt cold all over and lay on the ground. It happened that the cow next to it pooped on it at this time, so that it got warmth in the feces."

"The little bird, which was almost frozen to death or fell to death, managed to poke its head out from the cow dung. It happily chirped and thanked the cow repeatedly ~ thanking the cow for saving its life!"

"But its voice of thanks attracted the attention of the cattle dogs outside the cowshed~"

"The cattle dog walked into the cowshed and found the little bird in the cow dung. He quickly pulled it out, threw it into the sink on the side to wash away the cow dung, threw it directly into his mouth, and ate it. .”

When David said this, looking at the strange expressions of everyone, he smiled and spread his hands and said: "Tell us this story~"

"Not everyone who poops on you is your enemy!"

"Not everyone who pulls you out of cow dung is your friend~"

“And when you’re in cow shit, stay calm and quiet!”

"Don't let yourself fall into a worse and irreversible abyss!"

"..."

In the conference room, it was still quiet~

Among the people, some frowned in thought, some had strange expressions, and some were smiling~

Just before David and Leslie came in, the white-haired old man who was giving a lecture was the first to give David his own applause~

"Clap clap clap~"

Everyone in the conference room also followed his rhythm and gave their own applause~

The curvature of the corners of Old David's mouth slowly widened. While applauding David, he shouted again: "The story is great~"

"another one!"

"..."

Again?

David could clearly feel it. .His nostrils were expanding uncontrollably, his breathing became heavy, his heartbeat accelerated, and adrenaline in his body was secreted crazily. .

He tried hard to calm down his breathing, unbuttoned his coat, and did not say anything immediately, but paced back and forth in front of everyone.

After walking around for a few times, he stood back at his old position and told the third story calmly and calmly.

"There is a farmer's family. The couple raised three sons~"

"But this couple's life is not happy!"

"The two often quarreled over trivial matters, and even... got into fights~"

"Their three sons have grown up amid their parents' endless quarrels."

"Their mother was often beaten black and blue by their father~"

"And their father is often scolded by their mother and becomes extremely angry~"

"Gradually, the couple's three sons grew up."

"One day, when the three brothers were chatting together, the eldest brother said to the brothers: Mom is so pitiful! I will treat my wife better in the future! I will never hit her!"

"After the eldest brother finished speaking, the second brother sneered at his words, shook his head and said: Getting married... is so boring! I will never get married in the future, let alone get into such meaningless quarrels every day!"

"After listening to the opinions of my brothers, the third brother said: Looking back, I discovered... When my father beat my mother, he used a different method every time ~ I learned it!"

"..."

David glanced around. Everyone in the conference room, which was so quiet that he could hear breathing, had expressions of surprise and astonishment on their faces. .

He spread his hands and said with a smile: "This story tells us~"

"Even if everyone is in the same environment, everyone's perspective and way of thinking about what happens determines the difference in their lives!"

"so what.."

"It's important for us to work hard, it's important to learn, it's even more important to choose the angle at which we look at things and to constantly improve our way of thinking!"

"..."

"Clap clap clap~"

The first person to applaud this time was the white-haired old man teaching everyone~

The second person to applaud is Old David~

He raised his hands in the air, applauded David, and said with a smile: "Great! It's really great~!"

"One more... No!"

"Two more!"

"The last two!"

"..."

David's eyes almost popped out of his head. .

He gritted his back molars and finally figured it out~

Old David, he definitely did it on purpose!

Even if David's arrival today was not such a coincidence, Old David might arrange a similar occasion to see David's reaction. .

. . .

David, who finally figured this out, finally relaxed~

He simply took off his coat, ready to let go and tell a different story.

"Once upon a time, there was a turkey and a sheepdog who became good friends!"

"One day, the turkey asked the shepherd dog: I want to fly to the top of the big tree and see a different scenery, but I don't have the power. Can you help me?"

"The sheepdog quickly replied: Power? I have it! Why don't you try eating my feces? It will give you strength and let you fly higher!"

"So...the turkey chose to follow the advice of his friend and ate a piece of sheepdog feces. Sure enough, he felt full of strength and flew smoothly to the lowest branch of the big tree~"

"The next day, the turkey happily found its friend again, ate the second piece of sheepdog feces, and easily flew to a higher branch~"

"That's it, two weeks later~"

"The turkey stood very proudly at the top of the tree, enjoying the scenery that it could only see in its dreams~"

"It's a pity... something unfortunate happened~"

"It was spotted by a hunter because it stood too tall and was too conspicuous!"

"Bang~!"

"After a gunshot, the turkey was shot and fell back to the ground from the top of the tree~"

"This story tells us..."

"Shit luck, maybe it can help me reach the top and see a different scenery~"

"But, it can't let me stand there forever..."

"Only by relying on my own strength, constantly working hard to learn, and constantly improving, can I have the strength to stand at the top!"

"..Hahaha~"

"Clap clap clap~"

Leslie, who was sitting next to old David, laughed and applauded after listening to David's obviously self-deprecating story.

Although everyone in the conference room didn’t know that David’s story was about him, they followed Leslie’s lead and gave their own applause~

There was a glint in Old David's eyes, and he smiled even more and clapped to David, ready to hear the last story of this boy David~

David completely let go at this time ~

Like a performer standing on his own stage, he raised his hand and pressed down on everyone, smiling: "ok~"

"Thank you everyone~"

"It seems that everyone likes my little story~"

"Then...please allow me to take up another 5 minutes of your time~"

"Don't worry, I will never delay everyone's lunch break~"

"Hahaha~"

The crowd laughed.

David waved his hand, and when the conference room returned to silence, he told another short story~

"This story is about a ship of powerful pirates that roamed the waters of various European countries~"

"This group of pirates, relying on the strength of their ships and the power of their guns, have been on the sea for a long time without encountering an enemy!"

"But it's also because they're a bunch of pirates!"

"Some of them, unable to obtain satisfactory wealth from the captain, gradually became rebellious in their hearts and wanted to join forces to kill the captain and replace him!"

"And what about the older, older pirate captain?"

"When he became a pirate and traveled across the seas, most of these young pirate sailors were still wearing crotchless pants."

"Of course he knows someone's rebellion plan~"

"So, one dark and windy night~"

"The old pirate captain and a few of his loyal men threw all the rebellious pirate sailors into the sea to feed the fish~"

"And among these pirate sailors who were thrown into the sea, one of them was a tinker on the ship~"

"He shouted to everyone in the sea. During the sea battle a few days ago, the pirate ship had a damaged area near the bottom of the ship that had not been completely repaired~"

"After listening to the tinker's cry, the pirates who were thrown into the sea rushed to the bottom of the ship. They worked together to make a big hole in the old wound on the bottom of the ship, preparing to bury the entire pirate ship with them. "

"We can imagine the result~"

"This group of pirates who have been running rampant all over the world for a long time finally perished in the sea and in the hands of their own people~"

“What does this story tell us?”

David spread his hands to everyone and asked himself: "It tells us ~ when we are hurt, don't think about harming others ~!"

"When we endanger others, we not only harm others but not ourselves, we also make our own situation worse!"

"Let those who originally wanted to lend a helping hand to you, stop trying to help you because of your irrationality, and watch you fall into the abyss~"

"Say it again~"

"I have never seen someone who did not forget the harm to others when he was in misfortune, and finally got a good ending."

"If I meet such a person, even if I have the ability to save him easily, I will not lend a helping hand to him!"

"..."

David looked at everyone in the conference room, and without waiting for their reaction, he told the last story of the day!

"There are still 2 minutes left, let me tell you the shortest story~"

"Um.."

"There was a coachman, driving his carriage, pulling a cart of glass products, and drove into the streets of New York~"

"When he was driving the carriage to turn at an intersection, an untied box on the carriage fell onto the road~"

"I happened to be standing on the street and saw this scene. The police stopped the coachman and asked curiously: Your goods fell, why didn't you look back?"

"The coachman replied calmly: I was pulling glass products. No matter whether I looked back or not, the box of goods was already broken... Why should I look at it?"

"The policeman nodded with understanding and said to the coachman: You are a very smart man~ But you must get rid of that box of goods, otherwise I will give you a ticket~"

"The carriage driver had no choice but to stop the carriage on the side of the road, collect the box of broken glass products again, and put them on the carriage~"

"He said to the police: Now...can I leave?"

The policeman smiled at the coachman and said, "Okay~ But this ticket is for illegal parking." . "

"..Hahaha~"

Everyone here has their own car~

They have also received more or less illegal parking tickets from the police~

This time, everyone finally got the point of David’s little joke and clapped and laughed~

The white-haired old man who had been sitting behind Old David clapped his head and said.

"Leslie, what's his name? I forgot~"

"...David Coleman!"

"Oh...yes! That's the name~"

The white-haired old man glanced at Old David who turned back and said with a smile: "This guy is quite interesting! I like it very much~"

"Haha~Me too!"

Old David raised his eyebrows and replied with a smile.