I am not embarrassed to be a banker. I am not embarrassed to be in business.

We invested in the downturn and we never stopped serving our clients.

Usually, something that is fairly expected is already factored in. I also think that you have to think that America is raising rates because the economy is getting stronger.

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

I've asked our people, "Why don't we just put a revolver on top of our basic loan?" Make it easier for the client.

We're trying to win business by doing a good job for the clients, as opposed to, "We think being big and universal is just a great, wonderful thing." It's not a morality thing. It's a "Does it work for the client?" thing. Everything we do is because a client uses us. Everything we do is because a client chose to use us of his own free volition.

It's great that people get together and collaborate, talk about the facts and the analysis, all in the interest of having a great financial system.