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Forty years later, he was CFO when he allegedly retired. In fact, he was forced out. His views were considered dated and clearly not compatible with the bank’s new business model. Andrew was vocal in his opposition to derivate mortgage lending.The Bank’s President/CEO and his team of imprudent young men had embraced a practice that would become known as securitization. Andrew recognized these new practices as a derivative scheme. In Andrew’s experience, derivative financial schemes eventually lead to financial ruin. Such financing was, in his view, pure gambling with the depositor’s money. When the CEO and his team decided to double down on their bets, Andrew went to the board of directors. The directors promptly handed Andrew their request that he retire with, of course, adequate compensation for his years of service.At sixty-four, he was out of work. It was not that Andrew needed work or needed the money; he was by then a very wealthy man. He began to look around for something else. The fire was going and she’d made homemade eggnog, well laced with brandy. The doctor had said to go easy on the liquor, but it was Christmas—at least it was four days before Christmas—and this was a last-ditch effort to lift Stan up and over the season. Their anniversary was in March. Maybe he’d see that as a new goal to reach if they could get through Christmas. Then, maybe there’d be another one after that the two of them could strive toward. The two of them. Sylvia hadn’t thought about anyone but Stan like that. Well, no, that wasn’t true. There had been one other time she’d thought like that. But she was young then and her father had put a stop to that. He ran the boy out of town and got her married off to that widowed farmer right quick. Paul’s dad. Or who everyone thought was Paul’s dad. She guessed she was lucky the old coot had taken her in, knowing the baby wasn’t his. But he’d wanted a housekeeper and someone to help him on the farm more than he’d wanted a lover or a wife..
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