I Think The Way Now Characterized Smith

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."

The Country [india] Is Doing Far Better.

The Best Way To Look At Any Business Is From The Standpoint Of The Clients. So There Are These Certain Basic Things That Aren't Going To Change. Companies Are Going To Have Needs For Equity, Debt, Advice, Fx, And Derivatives. Individuals Are Going To Have Needs For Auto Loans, Mortgages, Something That Looks Like A Deposit Account, And The Ability To Send Money To People. Those Things Aren't Going To Change.

I Want You To Say To Me Right From The Start, "we Are Here To Serve Customers. We're Not Here For Me To Make A Lot Of Money. We're Not Here To Bet On Interest Rates Or Credit Spreads. We Are Here To Serve Our Customers Really Well Over A Long Period Of Time, And That's How You Build A Successful Business." And So I Want To See That, Too, You Know?

More People Are Working, Lending Is Up And Savings Are Up. These Are All Positive Signs For A Strengthening Economy.