We're going to do the right thing for the company and our customers, all things considered.

No one can forecast the economy with certainty.

I hope the story of 2011 is that America gets its mojo back. You've got to remember that America has the best universities; it's got some of the best businesses. It's got an unbelievable work ethic, rule of law. The story of 2011 will be America blossoming again.

Part of [Japanese companies] growing and expanding around the world is ... going to help the Japanese keep their lifestyles [despite Japan's] demographics, as a declining population, and [to] make it more conducive to women to go to work, I think, is a plus.

Companies that build scale for the benefit of their customers and shareholders more often succeed over time.

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.

I do think there will be more Japanese companies expanding out of Japan, and there will be more cross-border flow from Japan.