The toughest are people mistakes, when you put the wrong person in a job. Sometimes you're too slow to move them out. Or not getting the right people involved to solve a problem, or doing something out of anger; you learn, just don't do that. But I'd have to say the Whale was one of them, and I would also have to put Bear Stearns and Washington Mutual on the list at this point.

I think if we had another set of policies for - not the crisis years, but after that, that we might be growing faster. But we didn't. And some of that was Republicans' [fault], by the way.

Our plate is full. We have a lot to do building our company organically and that is our key focus.

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.

We've made a huge effort globally and in the US, in getting kids jobs. This is one piece. The South Bronx and inner-city schools need it more than most. It's our hometown; JPMorgan Chase banks a lot of people here. If you see the school, it works. Kids all getting jobs, they're smiling, they're proud of themselves. That's what we need to do in inner-city schools.

No one has the right to not assume that the business cycle will turn! Every five years or so, you have got to assume that something bad will happen.

More people are working, lending is up and savings are up. These are all positive signs for a strengthening economy.