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.

A strong currency means that American consumers and businesses can buy imported goods and services more cheaply and that inflation and interest rates will be lower, ... It also puts pressure on American industry to increase productivity and competitiveness. These benefits can feed on themselves as foreign capital flows in more readily because of greater confidence in our currency. A weak dollar would have the contrary effects.

I agree with what the Chairman Greenspan said whatever it is that he did say.

Rigor is always appropriate when investing in markets, whatever the ultimate conclusions may be.

I don't have a distaste for ambiguity, in fact, ambiguity is what I think life is all about.

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.