Bob McGinnis seems content enough. But as the interview ends he stands up and airs his grievances. "The one thing this place needs," he says, practising his golf swing, "is windows that open."
He is dressed in jeans and a T-shirt, and is now looking out of the recalcitrant window at the lake and greenery. At this stage it becomes hard to take in that he's a senior vice-president and the man in charge of the consumer-finance business at Greenwich Capital.
But this is not New York but Greenwich, a town in Connecticut just minutes by train from mid-town Manhattan, and dress-down codes and pleasant views are de rigueur. The town has provided the name and location for the firm since it was first set up as a two-man partnership back in 1981 by William Rainer and Edwin Knetzger, who is now president of Greenwich Capital. Despite the influx of more and more financial firms to Greenwich in recent years - it is home to the infamous Long-Term Capital Management, for example - the town still retains the charm of a peaceful provincial centre; to wear a suit here is to invite attention.