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UNITED STATES OF AMERICA Before The OFFICE OF THRIFT SUPERVISION In the Matter of SAMUEL C. LUTE Former Senior Vice President and InstitutionAffiliated Party of Heartland Bank St. Louis, Missouri
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My students often ask me, “What is sociology?” And I tell them it's the study of the way in which human beings are shaped by things that they don't see. And they say, “So, how can I be a sociologist? How can I understand those invisible forces?” And I say, quot;Empathy. Start with empathy. It all begins with empathy. Take yourself out of your shoes, put yourself into the shoes of another person.” Here, I'll give you an example. So I imagine my life if, a hundred years ago, China had been the most powerful nation in the world, and they came to the United States in search of coal. And they found it, and, in fact, they found lots of it right here. And pretty soon, they began shipping that coal, ton by ton, railcar by railcar, boatload by boatload, back to China and elsewhere around the world. And they got fabulously wealthy in doing so. And they built beautiful cities all powered on that coal. And back here in the United States, we saw economic despair, deprivation. This is what I saw. I saw people struggling to get by, not knowing what was what and what was next. And I asked myself the question: How is it possible that we could be so poor here in the United States, because coal is such a wealthy resource; it's so much money? And I realize: because the Chinese ingratiated themselves with a small ruling class here in the United States, who stole all of that money and all of that wealth for themselves. And the rest of us, the vast majority of us, struggle to get by. And the Chinese gave this small ruling elite loads of military weapons and sophisticated technology in order to ensure that people like me would not speak out against this relationship. Does this sound familiar? And they did things like train Americans to help protect the coal. And everywhere, there were symbols of the Chinese -- everywhere, a constant reminder. And back in China, what do they say in China? Nothing! They don't talk about us. They don't talk about the coal. If you ask them, they'll say, “Well, you know, we need the coal. I mean, come on, I'm not going to turn down my thermostat. You can't expect that.quot; And so, I get angry, and I get pissed, as do lots of average people. And we fight back, and it gets hideous. And the Chinese respond in a very ugly way. And before we know it, they send in the tanks, and they send in the troops. And lots of people are dying. And it's a very, very difficult situation. Can you imagine what you would feel if you were in my shoes? Can you imagine walking out of this building and seeing a tank sitting out there, or a truck full of soldiers? Just imagine what you would feel, because you know why they're here; you know what they're doing here. And you just feel the anger, and you feel the fear. If you can, that's empathy. That's empathy. You've left your shoes, and you've stood in mine. And you've got to feel that. OK, so that's the warm-up. That's the warm-up. Now we're going to have the real radical experiment. So, for the remainder of my...

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Samual C Luten St is a form used for reporting certain financial transactions to the IRS.
Any individual or entity who engages in reportable financial transactions is required to file Samual C Luten St.
Samual C Luten St can be filled out online through the IRS website or by mailing a completed form to the IRS.
The purpose of Samual C Luten St is to provide the IRS with information about certain financial transactions for tax reporting purposes.
Samual C Luten St requires information about the nature of the financial transaction, the parties involved, and the amount of money exchanged.
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