The term "too big to fail" must be excised from our vocabulary.

We've had fairly consistent financial results.

If you can't use dividends, it's not a bad thing to give it back to your shareholders. They'll use it somewhere else.

If I ran the whole place like it was my way or the highway, we would not be as good a company. I'm going to have mistakes - they'll be made on my watch and will embarrass me. But I'll also make sure the company learns from them so it can become a better company.

I don't think that [normalization] necessarily is going to damage the emerging economies.

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.

Companies are returning a lot of money to shareholders through dividends and buybacks. And a lot of people say that's not a good use of capital. I think that's normal reallocation of capital.