All businesses tend to pass costs onto customers.

Let's look at lending, where they're using big data for the credit side. And it's just credit data enhanced, by the way, which we do, too. It's nothing mystical. But they're very good at reducing the pain points. They can underwrite it quicker using - I'm just going to call it big data, for lack of a better term: "Why does it take two weeks? Why can't you do it in 15 minutes?"

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

We're diversified, we're stable and consistent. Our businesses benefit from each other.

I was a normal human being, but I did like that. I read a lot. I also liked math and science.

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

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.