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

I learn from all our major competitors, whether they're in or out of the U.S. Wells Fargo is very actively, very aggressively, and very successfully building its U.S. investment bank.

All businesses tend to pass costs onto customers.

We're diversified, we're stable and consistent. Our businesses benefit from each other.

Businesses can be opaque. They are complex. You don't know how aircraft engines work either.

It can take a long time to get the rules in place that are conducive to growing, sometimes.

If you look at the banking business over many years, it's always been a huge user of technology. This has been going on my whole life, that people have been adding technology, digitizing services.