Next, visionary Dr. W.S. Woods would transform the Kansas City bank into a modern financial institution. Like a true Midwesterner, Dr. Woods liked to help others — even competitors — and was a cautious but generous banker. His philosophy still guides Commerce Bank today: ask questions and learn as much as you can to understand the situation, and only after weighing the situation critically should you act. Then, when moving forward, do it cheerfully, pleasantly and with good will for the customer.