I Agree With People Who Say We

I Think The Free-enterprise System Has Been Great For Society. That Doesn't Mean It's Completely Perfect. And Also, When People Say Capitalism, I'm Not Really Sure What They Mean.

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.

It's An Advantage For Both Parties To Have The Other. It Also Creates Good Stability Of Earnings. Our Business Mix Means We Have A Diversified Earnings Stream, Which Is One Of The Things Why We Got Through The Tough Times So Successfully.

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

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.