We all remember the great Christmas movie classic "It's a Wonderful Life." The hero, played by Jimmy Stewart, stays home to save his family-run savings-and-loan institution, while his brother heads off to become a war hero. Stewart's character, George Bailey, forsakes his own comfort and tries to find some for his depositors and his town. When a mix-up puts Bailey and his company in great peril, the townspeople rally around the selfless man and rescue him. I'm happy to report that real George Baileys exist. At least one does. That's all the more gratifying because we live in a distinctly...