I entered the financial industry a few months before the infamous "Black Monday" stock market event in 1987. We felt the ripples all the way to my neck of the woods in Eastern Washington. Not only do those types of events have a material effect on the financial industry as a whole, but they also affect the national mood and our confidence levels. Confidence – as we're witnessing even today with recent bank failures – is often more difficult to rebuild than the market. In many ways, as I look back on my career I've been most thankful for how those challenging times shape our thinking. It forces us to innovate and create programs that restore trust.