Recently I did some work on promoting and representing a movie - Tears of Bankers , the latest (25th!) by Rick "Feature Filmmaking at Used Card Prices/Extreme DV" Schmidt . Though I have been a big fan of Rick's writing & film work over the years, and we are working together on some future projects, I think I can still offer a useful reaction to the movie as an audience member. Here are my thoughts about Tears of Bankers as I watched it at Anthology Film Archives on Tuesday night as a part of the NewFilmmakers series, just as an audience member, with all of my other hats off. 1. The structure that Rick uses - blending characters addressing the camera directly and telling stories about their lives with the regular action of the movie/the regular unfolding of the plot - is an acquired taste. Rick does it pretty well, though it is difficult on some segments to see what the relevance of the direct-to-camera story is to the sequence from the movie that immediat