All our clients know that we're there, we're steady, we do a good job, we earn a fair return for ourselves, which I think is critical.

You don't run a business hoping you don't have a recession.

Just because you have a good hand today doesn't mean it's good tomorrow. And some of the things we're doing may become very disadvantageous at some point.

It's an advantage for both parties to have the other. It also creates good stability of earnings. Our business mix means we have a diversified earnings stream, which is one of the things why we got through the tough times so successfully.

I think what you've seen them do recently in the markets is what most of us learn doesn't ultimately work. But I think everyone has to figure that on their own.

Manipulating currencies is when you're going into the marketplace and buying something in large amounts to depress the value of the currency.

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.