There are parts [in Dodd-Frank] that I don't agree with. But, in total, it is what it is.

We got a lot of excellent people and businesses from Bear and WaMu. But Bear definitely was more painful. WaMu got us into Florida, California, and other states, which was a huge benefit - to expand and grow and add middle-market, private banking, investment banking, and other products, too.

We've seen the volatility at dollar-yen, U.S. Treasurys, JGBs (Japanese government bonds), German bunds.

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

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.

Look, in any system, you want highly ethical people who really understand issues to form policies and make tough decisions. You need all the right people in the room. But there's a general view in Washington now by many politicians that if you ever were on this side, you're conflicted for being on that side.

Europe is the most complicated place, in my opinion.