Decline and Fall

I've worked at places like this:

You see, my plan consisted of breaking out of the traditional banking mindset.  Doing things differently, innovatively, and creatively.  We were small, and thus nimble, and if we streamlined operations, got rid of our bad clientele that consumed our labor resources, we could (I estimated) undercut our competitors' interest rates by .5% and still pull profit.  We'd also poach business from our competitors by aggressively targeting their best clients, and we'd get new business by doing fun and creative things like sponsoring barbeque and hotwings competitions, dance classes, and sports competitions.  

But no, oh no, we were going to deploy the brilliant strategy of "chocolate chip cookies."