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There are many reasons why we take chances. We find ourselves making decisions we know might be dangerous on some level, yet there is something which urges us to go ahead, insisting that the consequences really won't be that serious.

Chet Norem is no exception. He's a banker and confident in his skills in the realm of finance that have helped him arise from an earlier fall from grace to land in a comfortable life as president of the International National Bank in Harlowton, Montana. It's a ...