Cal talks with a man who many people see as the ideal banking coach to understand the recent turmoil in the banking industry. Paul McCaffery is a Managing Director at Keefe, Bruyette and Woods, where he has spent more than 20 years advising in the financial sector. He explains how a perfect storm can come together when government policies, banking decisions and the speed of technology enables depositors to move billions of dollars in a short amount of time. And how that storm that can pummel even relatively strong banks. This conversation is a banking tutorial for everyone.