If there is any one year in the 50 years I have lived on this earth that really gave me a tight slap, it is 2014. Even before it began, the word transformation was bandied around at all levels of my existence. The government was flashing it, And, at work, my employer was hammering into my mind that "we are to become a bank! we are to become a bank!" Unfortunately, the core banking system software that was supposed to be the foundation of our transformation was full of bugs. Not only that, the change to something new was rushed that the people never thoroughly understood the new system; none of us really owned the new system. Disaster after disaster befall us. Somebody must take the blame, and the head of ICT, a man who served our employer for three decades, decided he needed to retire early. Later, with no one else to blame, I came into focus as the person-in-charge of... everything. Come July, the time for paying dividends, a task I handled for the last eight years, b...