I Don't Like The Term "universal Bank."

No One Has The Right To Not Assume That The Business Cycle Will Turn! Every Five Years Or So, You Have Got To Assume That Something Bad Will Happen.

We Take Smaller Companies And Middle-sized Companies, All Around The World, And We Do Currency Exchange For Them; We Raise Bonds And Equities For Them; And We Do Inventory Finance, Trade Finance, And Custody Of Assets.

I've Always Wanted To Help Build A Better Society And Build A Better Company, And I Always Wanted A Healthy, Vibrant Company, A Healthy, Vibrant Society. We Take Care Of Our People, We Provide Them With Opportunity. But I've Always Believed Business Is Here To Serve Your Clients, Your Shareholders, Your Communities. If We Do This Well, Everyone Benefits. We Have To Do A Good Job For All Of Them.

I Want You To Say To Me Right From The Start, "we Are Here To Serve Customers. We're Not Here For Me To Make A Lot Of Money. We're Not Here To Bet On Interest Rates Or Credit Spreads. We Are Here To Serve Our Customers Really Well Over A Long Period Of Time, And That's How You Build A Successful Business." And So I Want To See That, Too, You Know?

Men, Age 25 To 55, The Labor-force Participation Rate Is Down 10%. That's Unbelievable. There Are 35,000 Dying Of Opioids Every Year. Seventy Percent Of Kids Age 17 To 24 Can't Get Into The Us Military Because Of Health Or Education. Obesity, Diabetes, Reading And Writing. Is That The Society We Wanted? No. We Should Be Working On These Things, Acknowledge The Flaws We Have, And Come Up With Solutions. Not Democrat. Not Republican. Not Knee-jerk.