Finance went from being a small business, effectively, to being a big business. In part, that's the growth of the world's wealth. That's called savings.

People need to understand: Businesses are going to make mistakes. They shouldn't be shot and hung every time. We should apologize for it. We should make up for it. My shareholders paid for it. No customer was hurt, which is critical to me. But I hurt my shareholders, and I wish I hadn't.

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.

I believe it's a good thing that people say, "Can we find a way to live together in peace?" And they did, for the most part.

Dodd-Frank and independent actions of banks go a long way in terms of progress on capital, liquidity, transparency, "living wills" (plans for winding down a bank in the event of a collapse) and resolutions.

If it is a small rate raises, [there will be] no impact.

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.