She prepares assiduously for everything she does in public and knows exactly what's expected of her and where her limits are.

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She doesn't want to go through everything, but she does what she needs to do.

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"Everything he does, she misses -- and that's wrong, " Hannum said.

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She does everything from describing the rock concert-like annual meeting to the motivations of actual individual shareholders to the deliberations of particular institutional investors to what individual analysts focused on.

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She doesn't have to know everything and shouldn't pretend she does.

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"I'm blown away by everything he does, " she said.

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Just when she finally does the right thing, everything goes horribly wrong.

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But, she adds, "just because you cannot do everything does not mean you should do nothing"--not exactly a prescription for when to go in and when to stay out.

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And when it comes to banking, Cindy does it quicker and better than most because she bothered to figure out how to do everything online.

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