The whole financial industry is consolidating in the United States.

I've had a terrific life, from building one company to be the second largest company in the securities industry and merging that into American Express, and becoming president of that company.

My parents moved back to New York from Florida when I was in the ninth grade.

I remember the mentoring experiences of some teachers that I had, like a second term home room teacher in public school that really was very helpful to me.

From the business point of view, always encouraging the people in our company to own stock in the company, and if we're going to build something great, to have a lot of people share in the benefits of that greatness.

The more we can do to create a better society, that benefits more people, the better chance we have that our society will continue to grow and prosper.

You never want to think the best things are in the past. You want to get yourself to believe that the best things are going to be in the future.