How to get help fast: My bank has you sign in and wait on a couch if you need to sit down with someone to discuss something. I had just finished a large iced coffee, and was really revved up. I was so wired, I couldn't sit down but just paced back and forth. I'm sure it also helped to be a man, and a masculine-looking man at that.

In a matter of seconds, the woman at the desk asked if I needed help. I said that I had signed in and was just waiting to see her, and returned to my pacing. I swear they put something in my coffee. Not a minute later, a woman came out of her big office and asked me if I needed help. I asked her my question, and she explained everything. I was on my way in less than five minutes, and the poor folks in front of me in line were still sitting there.