Mr. Norris, you have two visitors out here who say they need to talk to you, said Layla at the front desk to one of the assistant vice presidents at a commercial credit union in Houston, tx. Andrew Norris glanced from the computer screen he was reading to his appointment book. He was pretty sure he didn't have an appointment for Monday at 0930 a. M. but figured he should double-check. He hadn't looked at the book since just before he left for the weekend last Friday afternoon at five. Feeling better that he hadn't forgotten an appointment, the 36-year-old Norris told the office receptionist to send in the visitors.