THE drawing is very clear in every detail: a four-story building on a main street in Semarang, Central Java. Inside is a waiting room, a counter, a directors room and a toilet; in the front yard, a security post and seven automatic teller machines, two located near the entrance and five on the right side of the building. Drawn in firm lines with a felt pen, the sketch of a bank is neatly and meticulously done.

Make no mistake. It is not an archite