If you know me..then you know I always have this smile on my face or one just like it! I smile when I should be crying, like when I lose a deal, that I knew should have been approved! I smile in the midst of this subprime meltdown, because it wasn't the end of the world and some of those customers that we couldn't help anymore, really shouldn't have had loans anyway...they probably wouldn't have made the 1st payment! I smile when I wake up in the morning even though I am in a crappy mood! I smile when I am driving to work, even though sometimes I wish I could have stayed in bed that day( yes I am that guy driving along side you on the Hwy, with a big ol' smile on my face!) I smile when I get my paycheck even I know it should be a whole lot bigger! I smile when I get a a referral from a customer and I always feel like I didn't deserve it, I was just doing my job! I smile when I meet someone new, because it is an opportunity for me to build another relationship! What makes you smile?