I had the luck to go for a bike ride with the president of a bank. He said I had what it takes, because I knew how to take care of customers.

I had the luck to have a customer where I was working who liked the way I worked on his bike, and liked even more how I treated him as a person. He loaned me the money that made the bank think I had what it took.

Luck, and a totally non-threatening persona, and skill with a wrench. That’s what I had.

Romney never would have made it in retail, unless he had a personality makeover.