In the time of Charlemagne, September was “the harvest month.” In most of the modern world, September marks the start of the academic year. And here, in the U.S., we celebrate “Better Breakfast Month” and National Bourbon and California Wine month. September brings NIBA’s Annual Membership Meeting. The meeting took place this year on Sept. 13 at the CME Group Building in Chicago. When it was time for the keynote speech, Rick Santelli, CNBC commentator rocked the house. Rick was more than informational — he is entertaining and very gracious. Thanks also to the CME Group for providing the facility…