Harold Evans, the late author of "They Made America: From the Steam Engine to the Search Engine: Two Centuries of Innovators," talks about how A.P. Giannini helped change the banking industry by expanding services to the middle-class, and also speaks on what he did for the San Francisco Bay Area.  The full interview from a 2004 episode of "Conversations On The Coast with Jim Foster" can be heard now wherever you get your podcasts.