The scene opens with a flashback to the first day of Oliver's job as a loan officer at a large bank. He has just received a rejection letter from the bank for a new, larger loan. He is furious with himself for not being able to get the loan approved. He calls the rejection "vulgar language" and demands to know why the loan was rejected. He asks the loan officer to review the rejection letter. The loan officer responds by saying that it is "disgusting" and that Oliver is not the branch manager or the deputy manager. Oliver asks if he can call him "opa" when there is no one around. Oliver replies that he can do so when there are no people around. He then asks if the woman he is seeing is the same woman he saw earlier in the day. Oliver then asks the woman why she is doing this. The woman replies that she wants to see him right away. Oliver realizes that the woman is wet and asks if she is serious. She says that she is also wet