India is a huge democracy. Prime Minister [Narendra] Modi has ambitions to try to fix the infrastructure, the rules, taxes, education, and to lift up the Indian people. And we're hopeful that that's going to create positive momentum.

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

We use technology to make it cheaper, better, and faster for the client. And then if you have the most flow, you can win. Now, having said that, Silicon Valley wants to take on this business. They think they see an opening.

Abenomics, quantitative easing, fiscal policy - we know all the issues.

It's offensive to me to be called a cost cutter.

We did not anticipate the political fallout from it. We definitely didn't need it and we paid it back the first day we were allowed to.

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