I Believe It's A Good Thing That

Our Commercial Bank [jpmorgan] Is Only In The U.s. We Are Serving What You Call Smes - Small Businesses, Private Companies.

We Use Technology To Make It Cheaper, Better, And Faster For The Client. And Then If You Have The Most Flow, You Can Win. Now, Having Said That, Silicon Valley Wants To Take On This Business. They Think They See An Opening.

The Toughest Are People Mistakes, When You Put The Wrong Person In A Job. Sometimes You're Too Slow To Move Them Out. Or Not Getting The Right People Involved To Solve A Problem, Or Doing Something Out Of Anger; You Learn, Just Don't Do That. But I'd Have To Say The Whale Was One Of Them, And I Would Also Have To Put Bear Stearns And Washington Mutual On The List At This Point.

Our Plate Is Full. We Have A Lot To Do Building Our Company Organically And That Is Our Key Focus.

More People Are Working, Lending Is Up And Savings Are Up. These Are All Positive Signs For A Strengthening Economy.