You Have Your Own Culture And Your

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.

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.

You Read Constantly That Banks Are Lobbying Regulators And Elected Officials As If This Is Inappropriate. We Don't Look At It That Way.

After The Tsunami In Japan, We Were Open For Business. In Fact, I Flew There 10 Days After The Tsunami To Show Our Support For The Japanese People.

We, Americans, Have The Best Country On The Planet. We Have Schools, Universities, Food, Water, Energy, Peaceful Neighbors, Low Corruption, You Name It, Deepest And Widest Capital Markets. That Doesn't Mean We Shouldn't Identify Problems. We Don't Have A Divine Right To Success.