You know, the benefit in life is to say, 'Maybe you made a mistake, let’s dig deep.'

Banks also have to say no to customers. We can't always give clients what they want; it may not be in the client's best interest.

I'm a really big believer - this is not a statement about President [Barack] Obama, but whoever is president - that good policy is really important.

If you have the choice, it's far better to say, "That person has the job, and they really don't need that much of my oversight." Maybe they don't need any of it.

Japan, Europe, [and] America probably [are] better than last year [2015], not China.

But in general, as countries get wealthier, there's going to be more savings, which means you're going to have intermediation. So part of it is just the huge growth in wealth, and part of it was globalization - these companies, these clients getting much bigger and much more global.

[That is] hard to predict, [it] could be either September or December [2016] I personally think the sooner the better because that would be a good sign that the Fed believes the economy is significantly stronger.