Don't Do Anything Stupd. And Don't Waste

When The Secretary Of Treasury, The Head Of The Central Bank, The Head Of The Fdic (federal Deposit Insurance Corp.), And The Head Of The New York Fed Say, "we Want You To Do This Because We Think It's In The Best Interest Of The United States Of America," You Know, We're Like The Japanese. We're A Little Patriotic That Way. We Said, "yes, Sir!"

There Are Parts [in Dodd-frank] That I Don't Agree With. But, In Total, It Is What It Is.

I Don't Think You're Going To Have One Bank. Big Companies Aren't Going To Give Us All Their Business. So They Can Pick And Choose - By Product, By Country, Whatever. We Have Major Competition Across Every Product In Every Place We Operate.

We're Trying To Win Business By Doing A Good Job For The Clients, As Opposed To, "we Think Being Big And Universal Is Just A Great, Wonderful Thing." It's Not A Morality Thing. It's A "does It Work For The Client?" Thing. Everything We Do Is Because A Client Uses Us. Everything We Do Is Because A Client Chose To Use Us Of His Own Free Volition.

All Our Clients Know That We're There, We're Steady, We Do A Good Job, We Earn A Fair Return For Ourselves, Which I Think Is Critical.