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

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

The only certainty is that there is no certainty.

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.

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.

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

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