Over the past 7 years, we've tried to modernize the economy, and today what we're doing is modernizing the financial services industry, tearing down these antiquated walls, and granting banks significant new authority.

A world without walls is the only sustainable world. . . . If the world is dominated by people who believe that their races, their religions, their ethnic differences are the most important factors, then a huge number of people will perish in this century.

For too long we've been told about 'us' and 'them.' Each and every election we see a new slate of arguments and ads telling us that 'they' are the problem, not 'us.' But there can be no 'them' in America. There's only us.

We must work tirelessly to make sure that every boy and girl in America who is up for adoption has a family waiting to reach him or her...This is a season of miracles, and perhaps there is no greater miracle than finding a loving home for a child who needs one.

I ask you to join in a re-United States. We need to empower our people so they can take more responsibility for their own lives in a world that is ever smaller, where everyone counts.... We need a new spirit of community, a sense that we are all in this together, or the American Dream will continue to wither. Our destiny is bound up with the destiny of every other American.

I spent a lot of time when I was president, trying to end wars, prevent killing, and promote understanding. What I have seen is that peace works better than conflict, and one of the best manifestations of it is in travel and tourism.

Leadership means bringing people together in pursuit of a common cause, developing a plan to achieve it, and staying with it until the goal is achieved.