I just recently heard the sad news of Joe's death, after being ot of touch since 2009. It made me smile see his face again. We worked together at an "interesting" US Bank Cinci in 2003, and worked for him as a vendor at Genoa.  Joe was respected a hard-working old-school banker, I remember him for his great sense of humor.  "I hope they cleaned the windows!"-I can hear his laughter now!RIP