Capital One: The Untold Story is an incontestable and incomparable model for success. It is a tale of two men who appeared on the banking scene with an idea so outrageous that no one felt it could succeed. Fairbank and Morris caused an enormous change in the credit card industry, a change which transformed how the world did business. With this in mind, I want the readers to know what profound effect these two men and Capital One had on my life during my tenure. Because of my association with the two men, my life was significantly enriched.