Some bankers feel they do not have to read any book to do their marketing jobs well. They think that all they need to succeed in marketing are flair, ability to network, personal contacts, and entreaty. Doing so, they simply do things that tend to gratify expediency of the marketing situation in which they find themselves. Of course the foregoing views are erroneous. The factors on which the erroneous views hinge relate to, and could be useful in, only certain personal selling assignments.