We do not view 2005 to be a clean operating year, and the positives of beating expectations are offset by guidance moving around.

In terms of myself, I said from the very beginning that I wanted to work in the management of Citigroup and I didn't want to be a CEO, ... That's not what I want to do with myself at the moment.

Condoms aren't completely safe. A friend of mine was wearing one and got hit by a bus.

I think it could have real changing effects on the financial markets of our country, it could cause investors to think more about real rates of return and that in turn could spawn new kinds of products.

Some people are more certain of everything than I am of anything.

All of us as consumers have gotten spoiled, ... We expect customized goods and services at commodity prices. The only way we can do that is to cut the fat out of our price structure.

First, the only certainty is that there is no certainty. Second, every decision, as a consequence, is a matter of weighing probabilities. Third, despite uncertainty we must decide and we must act. And lastly, we need to judge decisions not only on the results, but on how they were made.