Yesenia Guitron knew something was wrong at the bank branch where she worked. She was getting complaints from customers—many from Mexico and undocumented—that they were being charged for accounts they had never opened and were receiving debit cards they had never requested. Guitron, a personal banker at a local Wells Fargo in the Napa Valley town of St. Helena, began to realize that some of her colleagues, under intense pressure to open accounts, were doing so without customers’ knowledge.
As a 10-year-old growing up in Shanghai, Jun-Yan Zhu often avoided homework with furtive doodling. He’d sketch comics or movie characters in pencil, then erase the evidence before his mother saw it. Much as he loved drawing, however, he wasn’t very good at it. He dreamed of a world where everyone, even those who lacked the talent, could easily communicate in pictures.