In my opinion, Norman Glass is a criminal who transferred the funds out of the bank. The most important reason is knowledge of criminal. He is a computer operator that have well knowledge about computer system and program, so it is easy for transfer money to himself. A second reason is that, in my view, he earns low salary, but he have money for buy large house and expensive new car. According to a police report, he has worked at National City Bank for 6 mounts, and he served five years in army before working at this bank, so he have many technique from the army. The third reason is that, in my opinion, he has wife and four children. I think that he must to have money to take care his family. He, therefore, steal the money. For these three reason, I believe that he was a criminal.