Happily retired for almost 14 years, after 39 years with Citi, of which 25 in Cash Management.

Spending a good part of my time in the South of France, where my wife (the other Terry) and I have a small apartment overlooking the bay at Villefranche-sur-Mer and Cap Ferrat.

Not a bad reward for all that 'blood sweat & tears', even if I have to say so myself.

Fact is,though,I much enjoyed my time with Citi even though I have to admit I was lucky enough to have worked there in 'the good old days'!