I Am Struck That So Many Of

Companies That Build Scale For The Benefit Of Their Customers And Shareholders More Often Succeed Over Time.

It Takes 10 Years To Get All The Permits To Build A Bridge Today. Ten Years? What Happened To The Good Old Can-do America? Where Is "we Get It Done, We Work Together"? We've Become This Bureaucratic, Stifling Environment. I'm Not Talking About Violating Environmental Things - I'm Talking About Building A Bridge, Getting Things Going, Getting People To Work Together.

I Don't Like The Term "universal Bank." The Chinese Government Legitimately Wants To Have A Very Strong Economy. When They Talk About Soe Reform, They Know That's Part Of It.

It's Great That People Get Together And Collaborate, Talk About The Facts And The Analysis, All In The Interest Of Having A Great Financial System.

If I Ran The Whole Place Like It Was My Way Or The Highway, We Would Not Be As Good A Company. I'm Going To Have Mistakes - They'll Be Made On My Watch And Will Embarrass Me. But I'll Also Make Sure The Company Learns From Them So It Can Become A Better Company.