Jon and Roy are a trio from Victoria, British Columbia, which is the "mountain town" in this song. Their lead singer/guitarist Jon Middleton told us: "It's a pretty mellow lifestyle here. It's a pretty sunny place in general. I think our lifestyle and the touring lends to that." Explaining why it can be quirky place to live, he added: "It's on an island. That means a lot in terms of how it shapes the culture and the mental state."
Jon Middleton uses various banking metaphors in this song, which he says are part of the culture he grew up with. "I think the whole money/bank thing comes from the way I view the economy," he said in our 2012 interview. "It's a cultural thing, too. We're all kind of taught that money makes the world go round."