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The first remarks out of the mouth of the three Fifth Third Bank executives is how the plane they flew from Cincinnati to Florida had to be deiced on the runway before takeoff.

Here they are in downtown Tampa on the 20th floor of Fifth Third's regional office. The sun is shining. The outdoor temperature is close to 70 degrees. And the view out the window, from the sprawling Port Tampa Bay to the endless expanse of Tampa Bay waters, is at its seductive best.

Fifth Third CEO Greg Carmi

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