The economic union - creating a big common market, like the United States, so that you can compete across borders. There are common rules, regulations, and simplification, and that is still a good reason, too. When they put their monetary union together, that created a rigidity that made it hard for currency fluctuations. They don't really have a solution to that.

I've always wanted to help build a better society and build a better company, and I always wanted a healthy, vibrant company, a healthy, vibrant society. We take care of our people, we provide them with opportunity. But I've always believed business is here to serve your clients, your shareholders, your communities. If we do this well, everyone benefits. We have to do a good job for all of them.

A democracy is a compromise by its nature. It's not a dictatorship.

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.

We've had fairly consistent financial results.

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.