Economies Of Scale Are A Good Thing.

The Question Is How Do You Do It [more Consumer Protection] So That It Actually Works That Way? And That Takes Analysis, And Sometimes Collaboration Between Government And Business, To Understand How That Works.

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've Been Regulated My Whole Life. We Have Progressive Taxes. It's Not A Free-market Free-for-all. I Completely Understand That Society Has A Perfectly Legitimate Right To Put In Structures And Regulations And Rules That Make It Fairer, Better, Cleaner.

We Were A Land Of Opportunity. You Can Never Have Equal Outcomes, But You Can Have Equal Opportunity.

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.