I Completely Agree With The Concept That

The United States Has The Best, Deepest, Widest, And Most Transparent Capital Markets In The World Which Give You, The Investor, The Ability To Buy And Sell Large Amounts At Very Cheap Prices. That Is A Good Thing.

As A Matter Of Fact 25% Of Our U.s. Investment Banking Business Comes Out Of Our Commercial Bank. So It's A Competitive Advantage For Both The Investment Bank - Which Gets A Huge Volume Of Business - And The Commercial Bank Because The Commercial Bank Can Walk Into A Company And Say, "oh, If You Need X, Y And Z In Japan Or China, We Can Do That For You."

I Think The Free-enterprise System Has Been Great For Society. That Doesn't Mean It's Completely Perfect. And Also, When People Say Capitalism, I'm Not Really Sure What They Mean.

If I Ran The Whole Place Like It Was My Way Or The Highway, We Would Not Be As Good A Company. I'm Going To Have Mistakes - They'll Be Made On My Watch And Will Embarrass Me. But I'll Also Make Sure The Company Learns From Them So It Can Become A Better Company.

It Might Be Harder For Us To Charge A Higher Interest Rate, Like They Do, So It Might Not Be As Profitable For Us. But We Can Either Compete Or Partner, Like We've Announced With On Deck, Which Does Some Of The Stuff We Just Spoke About.