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.

After 25-plus years as a lawyer, prosecutor, and defense attorney, I have developed a deep appreciation for both the wisdom of the law and the role that jurists play in framing the rights and responsibilities that define our society.

To every New Yorker - and to all those who believed in what I tried to stand for - I sincerely apologize.

In 2007, when I was governor of New York, I proposed that our state once again permit undocumented immigrants to obtain a driver's license. To say the proposal lit a firestorm in the political arena is an understatement.

Don't reward bad behavior. It is one of the first rules of parenting. During the financial cataclysm of 2008, we said it differently. When we bailed out banks that had created their own misfortune, we called it a 'moral hazard,' because the bailout absolved the bank's bad acts and created an incentive for it to make the same bad loans again.

From those to whom much is given, much is expected. I have been given much: the love of my family, the faith and trust of the people of New York, and the chance to lead this state. I am deeply sorry that I did not live up to what was expected of me.

A year is an eternity in politics - though less than a moment in history.