If The Economy Grows, Housing Gets Better,

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.

If You Can't Use Dividends, It's Not A Bad Thing To Give It Back To Your Shareholders. They'll Use It Somewhere Else.

We Did Not Anticipate The Political Fallout From It. We Definitely Didn't Need It And We Paid It Back The First Day We Were Allowed To.

I Don't Mind Paying Higher Taxes, Because I've Done Quite Well And I'm Blessed To Live In This Country.

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?"