You've Seen Certain Credit Type Products That

I Learn From All Our Major Competitors, Whether They're In Or Out Of The U.s. Wells Fargo Is Very Actively, Very Aggressively, And Very Successfully Building Its U.s. Investment Bank.

Just Because You Have A Good Hand Today Doesn't Mean It's Good Tomorrow. And Some Of The Things We're Doing May Become Very Disadvantageous At Some Point.

We've Made A Huge Effort Globally And In The Us, In Getting Kids Jobs. This Is One Piece. The South Bronx And Inner-city Schools Need It More Than Most. It's Our Hometown; Jpmorgan Chase Banks A Lot Of People Here. If You See The School, It Works. Kids All Getting Jobs, They're Smiling, They're Proud Of Themselves. That's What We Need To Do In Inner-city Schools.

There Are Parts [in Dodd-frank] That I Don't Agree With. But, In Total, It Is What It Is.

If You Look At The Banking Business Over Many Years, It's Always Been A Huge User Of Technology. This Has Been Going On My Whole Life, That People Have Been Adding Technology, Digitizing Services.