Part Of The Reason Some Japanese Companies

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.

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.

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.

It Might Be Harder For Us To Charge A Higher Interest Rate, Like They Do, So It Might Not Be As Profitable For Us. But We Can Either Compete Or Partner, Like We've Announced With On Deck, Which Does Some Of The Stuff We Just Spoke About.

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