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AVAKICE AMONG THE AVOCADOS 95 feeling/ 7 he said, adding, "In time it gave rise to a nasty rumor that DeMille has the first dollar he ever signed." Eventually, the Commercial National was taken over by the Bank of America, then the Bank of Italy, which was owned by the Gianninis. Papa Giannini had begun to build his chain- bank empire, based on the premise that at every intersection where there were two filling stations there should be one bank. Analyzing the Commercial National's movie-loan policies, the Gianninis shuddered. They were almost savagely opposed to loans without collateral; money on a house or motorcar- something that the bank could reach out and touch—that was one thing, but handing out money on intangibles like movie scenarios or a producer's reputation! The rules tightened. Giannini told DeMille that all unreason- able movie loans would be his, DeMille's, personal liability, and he, Giannini, would decide what constituted an unreasonable loan. Those who were not able to get money out of the Commercial National agreed the situation had worsened, but not much. DeMille continued to dole out loans sparingly. The Gianninis soon saw his judgment was a good thing to have around a bank. DeMille had an admirable respect for other people's money, plus a sixth sense for sizing up an applicant DeMille's lawyer once remarked that Cecil "could tell by the lines in a man's face if his credit was any good." During his relatively brief banking career, none of his de- cisions backfired. And only one threw him into serious combat with the explosive, hard-fisted A.P, It arose out of a $200,000 loan to Sam Goldwyn, made some time after Goldwyn had resigned from the Lasky firm. A.P. had turned down Goldwyn's application for a loan. DeMille knew this but okayed it anyway. In a few days he received a summons to appear in A.P/S executive offices in San Francisco. DeMille by now was achiev- ing something of a reputation of his own as a combatant in