INT. BANK - DAY

               John sits in front of loan officers desk. With his leg
               crossed he looks around the bank waiting.

               The loan officer, ED TRIVELY, comes out of the back carrying
               a file.

                                   ED
                         Hi, Mr. Smith?
                             (extends his hand)
                         Ed Trively. How are you?

                                   JOHN
                         Good.

                                   ED
                         Good.

               Ed sits down behind his desk and starts looking through the
               file.

                                   ED (CONT'D)
                         So you're looking to buy a house?

                                   JOHN
                         Yep.

                                   ED
                         You getting married?

                                   JOHN
                         Yeah... Next month.

                                   ED
                         Most people want a new house at the
                         same time as a new wife.

               John makes a fake, short smile at Ed's joke.

               JOHNS POV: A busy street outside of the bank.

                                   ED (CONT'D)
                         Well your credit history is about
                         average... How old are you?

                                   JOHN
                         Thirty-nine.

                                   ED
                         I meet a lot of people who get
                         their first house about your age.

                                   JOHN
                         My age?

                                   ED
                         Yeah... Late thirties, early
                         forties... I guess people just
                         start to have enough that they can
                         afford a down payment.

               JOHNS POV: A busy street outside of the bank.

                                   JOHN
                         But most people my age aren't dead?

                                   ED
                         Dead?

                                   JOHN
                         Heart stops beating, they start
                         breathing...

                                   ED
                         No... They're looking to buy a
                         house when the see me.

                                   JOHN
                         So if I were to die... At my age...
                         That wouldn't be normal.

                                   ED
                         No... I wouldn't think so... I'd
                         hope not.

               JOHNS POV: A busy street outside of the bank.

               John get out of his seat a coolly walks towards the door.

                                   ED (cont'd)
                         Mr. Smith... Mr. Smith?

               EXT. BANK - CONTINUOUS

               John walks to the corner on the street. The "walk" sign has
               just stop and the "don't walk" just started flashing. John
               looks as the "don't walk" goes solid. Cars start to move.

               CLOSE ON: John looks forward with out any fear in his face.
               As he moves forward he closes his eyes and continues walking.

               On a TRUCK HORN and SCREECHING:

                                                       BLACK OUT:

               Various CAR WRECK SOUNDS. 

               Everything goes silent.

                                   BUM (o.s.)
                         That's not how you do it?

               FADE IN:

               EXT. BANK - MOMENTS LATER

               JOHN POV: The city has cleared. He looks down the cross
               streets and there is not a car or person to be scene.

                                   BUM (o.s.)
                         You've got it all wrong, that's not
                         how it's done.

               JOHN POV: Swinging around. A BUM is sitting at the corner of
               the building.

                                   BUM (cont'd)
                         You really think it's that simple
                         don't you? How could it ever be
                         that simple.

                                   JOHN
                         What? What can't be that simple.

                                   BUM
                         You... What you have. Dyeing your
                         hair? I'll admit it's creative but
                         how can that change you. And at
                         lunch... Have you seen Dateline
                         recently everyone is over eating...
                         How's that going to help.

                                   JOHN
                         Who are you?... What do you know?

                                   BUM
                         I know everything John...
                         Everything you don't. Do you really
                         think Jane thinks you're average...
                         Do you think anybody thinks you're
                         average? You're the only person who
                         thinks that... You're the only
                         person who can change that.

                                   JOHN
                         I'm trying... I'm doing everything
                         I can.

                                   BUM
                         And the moon is made of out of rock
                         and dust... It doesn't matter that
                         no one thinks you're average
                         because you don't care what anybody
                         thinks... But you do think you're
                         average, and at this rate... you
                         always will be.

               We hear everyone has re-appears and we leave John's POV.

               John spins around and looks at the street. It's running just
               as it was before.

                                   BUM (cont'd)
                         Sir?

               John continues looking around the street and sidewalk.

                                   BUM (cont'd)
                         Sir? Could you spare some change?

               He turns around to look at the bum holding up a can?

                                   JOHN
                         Huh?

                                   BUM
                         A little change?

                                   JOHN
                         Oh yeah.

               John digs in his pocket and pulls out a couple coins that he
               put in the bum's can.

                                   JOHN (cont'd)
                         Here.

                                   BUM
                         God Bless you.

               John is in a bit of a daze as he walks away.

                                   BUM (cont'd)
                         Sir!

               John turns back.

                                   BUM (cont'd)
                         Good luck.

               The bum goes on to other "customers" trying to get some
               change.