Better Call Saul, Season 2

[Chuck goes with Howard to negotiate keeping Mesa Verde with HHM]

Chuck:
Don't worry. I'm not here to extol the virtues of HHM. I'm guessing you've already had to suffer through Howard's hard sell first time around. So you've done your time, as far as I'm concerned.

Howard:
What hard sell? It was enthusiasm. I gave them cookies.

Kevin:
Cookies were good, as I recall.

Chuck:
No, I'm here to put your minds at ease. Kim Wexler is, indeed, the right choice to handle Mesa Verde. She's the obvious choice. She's young, she's brilliant, she's going places. Let's face it, Howard. She's the future. Two old guys like us, we're the past.

Howard:
Well, that's a sad thought.

Chuck:
Sad but true. [sighs] Banking law... needs to be exciting. It needs the next generation to come along and give it a big, old kick in the seat of the pants. Really wake it up. Let me tell you how boring I am: I read FEC and ISO reports for entertainment.

Howard:
He does. I can attest to that.

Chuck:
Well, I try to stay up on things. The rules are changing all the time. With everything that's happened with Enron and WorldCom, the government is extra vigilant. These days, the penalties for even the most honest of errors can be devastating. You need a sharp, young eye to catch that stuff. I mean, when you've specialized in this kind of work for decades on end, you tend to get kinda...

Howard:
Stale.

Chuck:
Stale. You get stale. You forget about things like, oh, I don't know, the Community Reinvestment Act. Any bank such as Mesa Verde looking to open a de novo branch is definitely going to need to show a healthy portfolio of CRA compliance. Duh. [chuckles] Obviously, you guys have all that covered, I'm sure. Riegle-Neal Interstate Banking and Branching Efficiency Act... there's another mouthful, huh? Boring! Still, if you were to run afoul of it, it could hold you up in court for years. And by the way, uh, if that were to happen to you folks as you go forward without us – which it will not – um, Howard has contacts at the Fed who could help sort things out.

Howard:
[breezy] One or two.

Chuck:
Mm-hmm. And then there's the SEC's interpretation of Section 302 of Sarbox. Blah, blah, blah! [chuckles]

Howard:
Well, navigating that correctly could mean savings of several hundred thousand dollars.

Chuck:
They know that, Howard. [Howard chuckles] Oh, I apologize. When you reach your golden years, you tend to get a little long-winded, ramble on and on about details. My point being... your bank is in excellent hands.

Kevin:
Look, I take your point. I do. But I have to say, I have complete confidence in Ms. Wexler.

Chuck:
You should. She was part of our team. She learned from us. You won't find better than Kim Wexler. But no matter how talented one individual may be, the needs of Mesa Verde are too big to handle alone. I wouldn't handle your coming expansion alone... which is why you should consider, once again, enlisting a team of professionals.