Companies are returning a lot of money to shareholders through dividends and buybacks. And a lot of people say that's not a good use of capital. I think that's normal reallocation of capital.

Companies that build scale for the benefit of their customers and shareholders more often succeed over time.

The question is how do you do it [more consumer protection] so that it actually works that way? And that takes analysis, and sometimes collaboration between government and business, to understand how that works.

If I ran the whole place like it was my way or the highway, we would not be as good a company. I'm going to have mistakes - they'll be made on my watch and will embarrass me. But I'll also make sure the company learns from them so it can become a better company.

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

Good regulation should be conducive to business and to customer protection.

We're not fair weather friends. We've been in places for a long, long time.