There's a disconnect between what they think is happening and what is really going on.

He looked to be in fine shape, sitting glassy-eyed behind the wheel, staring straight at the narrow two-lane highway, holding a steady-as-she-goes course of fifty miles an hour.

Think of banking today and the image is of grey-suited men in towering skyscrapers. Its future, however, is being shaped in converted warehouses and funky offices in San Francisco, New York and London, where bright young things in jeans and T-shirts huddle around laptops, sipping lattes or munching on free food.

Conceived by former Ramsey Lewis sticksman Maurice White, a blend of exquisite vocals and hackle-raising horn arrangements...