There is a legend that says many years ago an old man stood on a Virginia riverbank. He was waiting to cross the river and, since it was bitterly cold and there were no bridges, he would have to catch a ride to the other side. After a lengthy wait he spotted a group of horsemen approaching. He let the first one pass, then the second, third, fourth and fifth. One rider remained. As he drew abreast, the old man looked him in the eye and sa…