I've Asked Our People, "why Don't We

I Don't Like The Term "universal Bank." The Chinese Government Legitimately Wants To Have A Very Strong Economy. When They Talk About Soe Reform, They Know That's Part Of It.

I'm Not Going To Name Anybody, But I Think There Are About Five To 10 Global Institutions That Will Emerge As Our Primary Competitors Across The Board. They're Adjusting To This New World, Like We Are.

The United States Has The Best, Deepest, Widest, And Most Transparent Capital Markets In The World Which Give You, The Investor, The Ability To Buy And Sell Large Amounts At Very Cheap Prices. That Is A Good Thing.

It's Offensive To Me To Be Called A Cost Cutter.

You Can Design A Mortgage System That Is Different Without A Fannie And Freddie, But There Are Principles You Have To Have, To Have A Good System.