We need to have financial literacy in America, not just complaining about obstructionism. We need solutions. And I think the solutions are using high finance to make capitalism work for people around the world.

It's a Wonderful Life. This film illustrates that if you treat your customers with respect, they will recognize you and even help when you're most in need.

Look at Google. They are re-organizing their businesses ,even renaming it with Alphabet, so they can be bolder and make strategic mistakes and then learn from them. But most companies aren't Google in that they make incremental changes and don't go for the moon shot.

People have tried to control other people by trapping them with debt. A loan can become a harmful and dangerous weapon.

I think the money for the solutions for global poverty is on Wall Street. Wall Street allocates capital. And we need to get capital to the ideas that are successful, whether it's microfinance, whether it's through financial literacy programs, Wall Street can be the engine that makes capital get to the people who need it.

The challenge of our generation, whether it's young lawyers, young investment bankers, is to make capitalism work for people not just around the corner, but for people all around the world.

Persistence. Change doesn't happen overnight. You have to stay with it. Rosa Parks helped start the Civil Rights movement in earnest in 1955. Then it was nearly a decade until the Civil Rights Act was passed.