I have enjoyed my banking and finance career since 1971 and unlike my peers, retirement is not in my plans. I am enthusiastic as ever and I bring successful career knowledge. Based upon what I read, I still work harder and longer than the younger generation. In 1971 our bank staff technology was limited to a 10-key adding machine. This made banking operations cumbersome and inefficient. I almost left banking before I realized that new technology was the challenge and the future of banking. The inefficiency I saw drove me to focus on cost control and increasing bank productivity. In about 1990 I realized that banking was built around people and offices and the cost of both was high and rapidly increasing. At the same time technology costs were constantly going lower. I needed to focus on increasing technology and removing people and real estate from banking. I pioneered Internet Banking in 1994 as President of La Jolla Bank.Developing and training staff when materially changing an industry is difficult. The staff has always been very receptive to my management style, even in a failing bank. Self-motivation, ethics and an open-door policy are fundamental to my modified Servant leadership management style.In 2023, I am taking a big calculated risk and pivoting back to my bad economy, bank, and loan workout skills. Including Bank Consulting, Trustee and Receivership work. This will include whole bank purchase due diligence, complex real estate loan pool due diligence and change management both technology and otherwise.In the early 80s when I was at the 6th largest Savings Bank in America I saw that the banking staff couldn’t communicate well with the technical staff and vice versa. The president needed a leader for a new Asset / Liability and IRR forecast project and no existing staff wanted to lead the project. I volunteered to lead the design and build of the first A/L system at one of the largest banks in the country. All bank departments had input and the data center gave me top priority. This is when I learned that anything I can detail and describe can be built. The project was very successful and accurate in the first-year forecast before I moved on. This also was my introduction to IBM PCs.Planned Projects After Recession I document digital finance and real estate values at www.DFIN.com as I have since 1996. DFIN has already spun off DigitU financial education site and Bank of Internet. One day I will pivot back to further banking design and technology to the next generation. DFIN is the R&D source for a new “Financial System”.