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I Don't Think That [normalization] Necessarily Is Going To Damage The Emerging Economies.

Just Because You Have A Good Hand Today Doesn't Mean It's Good Tomorrow. And Some Of The Things We're Doing May Become Very Disadvantageous At Some Point.

We Use Technology To Make It Cheaper, Better, And Faster For The Client. And Then If You Have The Most Flow, You Can Win. Now, Having Said That, Silicon Valley Wants To Take On This Business. They Think They See An Opening.

The Real Story In Housing Will Be A Recovery In The Economy That Will Drive A Recovery In Housing, When People Are Working, When There Are More Jobs, More Households Forming And People Go Back To Buying Cars, They're Going To Want Their Apartments And Homes. And That's When You'll Start To See A Recovery In Home Prices.

There Are Parts [in Dodd-frank] That I Don't Agree With. But, In Total, It Is What It Is.