I Think Normalization Is A Good Thing.

You Know, The Benefit In Life Is To Say, 'maybe You Made A Mistake, Let’s Dig Deep.'

It's An Advantage For Both Parties To Have The Other. It Also Creates Good Stability Of Earnings. Our Business Mix Means We Have A Diversified Earnings Stream, Which Is One Of The Things Why We Got Through The Tough Times So Successfully.

People Need To Understand: Businesses Are Going To Make Mistakes. They Shouldn't Be Shot And Hung Every Time. We Should Apologize For It. We Should Make Up For It. My Shareholders Paid For It. No Customer Was Hurt, Which Is Critical To Me. But I Hurt My Shareholders, And I Wish I Hadn't.

I Also Think You Have To Be Very Careful. I Mean, The Heritage Of Our Company Is Very Strong, And Building Some Of These Businesses Into Leading Players Is Extremely Tough. You And I Can Both Build A Trading Business, And It Looks Like You're Doing Ok, And It Looks Like I'm Doing Ok. But, Really, I Am, And You Aren't. It Comes Down To The Quality Of Clients, Quality Of Systems, Quality Of Risk Controls.

If The Economy Grows, Housing Gets Better, Quicker.