Why does a bank close? Ever heard of a bank that closed? Why did it close? Mistakes at the tellers’ windows? Sluggishness at the tellers’ windows? Mistakes in bank statements? Mistakes in calculations of interest on loans? Nonsense. All those operations could go off without blemish and the bank could close just the same. Bad loans. That’s why it closed. Where’s quality made? In the board room, at the top. There’s where quality is made. Jobs are dependent on management’s foresight to design products and services to entice customers, and build a market. To be ready ahead of the customer.