I Am Struck That So Many Of

Let's Look At Lending, Where They're Using Big Data For The Credit Side. And It's Just Credit Data Enhanced, By The Way, Which We Do, Too. It's Nothing Mystical. But They're Very Good At Reducing The Pain Points. They Can Underwrite It Quicker Using - I'm Just Going To Call It Big Data, For Lack Of A Better Term: "why Does It Take Two Weeks? Why Can't You Do It In 15 Minutes?"

We Got A Lot Of Excellent People And Businesses From Bear And Wamu. But Bear Definitely Was More Painful. Wamu Got Us Into Florida, California, And Other States, Which Was A Huge Benefit - To Expand And Grow And Add Middle-market, Private Banking, Investment Banking, And Other Products, Too.

Manipulating Currencies Is When You're Going Into The Marketplace And Buying Something In Large Amounts To Depress The Value Of The Currency.

My Operating Assumption Is We Will Always Have Very Tough Competition. And Even With Some European Banks Struggling Right Now, Some Of Them Can Reemerge - And Maybe Even Stronger.

I Learn From All Our Major Competitors, Whether They're In Or Out Of The U.s. Wells Fargo Is Very Actively, Very Aggressively, And Very Successfully Building Its U.s. Investment Bank.