We Don't Think There Are Cases Where

My Operating Assumption Is We Will Always Have Very Tough Competition. And Even With Some European Banks Struggling Right Now, Some Of Them Can Reemerge - And Maybe Even Stronger.

There Is A Lot Of Focus On That First Rate Move, And I'm Not Sure How Important That Is.

I'm A Really Big Believer - This Is Not A Statement About President [barack] Obama, But Whoever Is President - That Good Policy Is Really Important.

Look, Every Institution Will Make Mistakes. I Acknowledge We Make Mistakes, And They Can Hurt My Reputation And Our Company's. But You Also Must Be Willing To Let Go A Little Bit, Trust Others, And Not Always Be So Stringent, Provided You Have Robust Controls.

We're Diversified, We're Stable And Consistent. Our Businesses Benefit From Each Other.