We were a land of opportunity. You can never have equal outcomes, but you can have equal opportunity.

If you're making all your money simply betting on interest rates, that's not a business. Flow is a business. On the outside, they look the same for a while. But when you dig into them, no, they weren't exactly the same.

We got a lot of excellent people and businesses from Bear and WaMu. But Bear definitely was more painful. WaMu got us into Florida, California, and other states, which was a huge benefit - to expand and grow and add middle-market, private banking, investment banking, and other products, too.

We're not fair weather friends. We've been in places for a long, long time.

There are parts [in Dodd-Frank] that I don't agree with. But, in total, it is what it is.

More people are working, lending is up and savings are up. These are all positive signs for a strengthening economy.

Banks also have to say no to customers. We can't always give clients what they want; it may not be in the client's best interest.