I Think Normalization Is A Good Thing.

It Can Take A Long Time To Get The Rules In Place That Are Conducive To Growing, Sometimes.

We Invested In The Downturn And We Never Stopped Serving Our Clients.

I Think One Could Argue That There's More Political Input Into The Regulatory Side, And On The Regulatory Side There Seem To Be Fewer People With Financial And Banking Experience - There Are More Lawyers, Academics, Economists, Maybe Politicians Now.

We Got A Lot Of Excellent People And Businesses From Bear And Wamu. But Bear Definitely Was More Painful. Wamu Got Us Into Florida, California, And Other States, Which Was A Huge Benefit - To Expand And Grow And Add Middle-market, Private Banking, Investment Banking, And Other Products, Too.

Economies Of Scale Are A Good Thing. If We Didn't Have Them, We'd Still Be Living In Tents And Eating Buffalo.