I am a fairly go-with-the-flow guy. Don't get me wrong, I have convictions.

Once you realize that there are only certain points which you are willing to negotiate, it makes the negotiation much simpler.

It is easier to disrupt consumer finance. It is much harder to disrupt institutional finance, Wall Street. It is very heavily regulated, and because it is institutional finance, you are dealing with incumbents.

My personality and nothing from my past would have ever predicted that I would be at the center of a controversy.

I am a fairly go-with-the-flow guy. Don't get me wrong, I have convictions.

I didn't have this rebellious streak in me. To me, I'm a product of circumstance.