I have been clueless about it.
Apparently, there’s a Citibank commercial airing on FM radio, in which a “Ralph Guzman” gives testimony to the bank.
Too bad, I still have not had the chance to listen to it. But since so many friends have inquired about it, to answer all the questions, I am happy to say that it is not I.
It’s either a guy who has the same name as I. Or if the testimony were just invented, well, the advertising agency then chose a very good, classy name. Hehehe!