I apologize to the public, whom I promised better.

In the melting pot that is America, inclusive trumps exclusive. Whether it's single women, young adults, or minorities, alienating the rapidly growing voting blocs is not smart politics.

Imagine if the pension funds and endowments that own much of the equity in our financial services companies demanded that those companies revisit the way mortgages were marketed to those without adequate skills to understand the products they were being sold. Management would have to change the way things were done.

It's not Big Brother that we now have to be afraid of, but Big Browser.

I don't have any particular expertise-I've never been a banker or an investment banker. But I did see an evolution in the system that I thought was problematic.

Companies that pollute should be taxed so that a product's cost to society is reflected in the price of that product.

I apologize to the public, whom I promised better.