You Have Your Own Culture And Your

I Don't Think You're Going To Have One Bank. Big Companies Aren't Going To Give Us All Their Business. So They Can Pick And Choose - By Product, By Country, Whatever. We Have Major Competition Across Every Product In Every Place We Operate.

If You Have The Choice, It's Far Better To Say, "that Person Has The Job, And They Really Don't Need That Much Of My Oversight." Maybe They Don't Need Any Of It.

If You Were A Corporation Needing Financial Services, And I Can Give You Something Better, Faster, And Cheaper Across 12 Products As Opposed To Eight, That's Business. I'm Doing It Because I'm Serving You; I'm Not Doing It Because I Want To Be Universal.

The Question Is How Do You Do It [more Consumer Protection] So That It Actually Works That Way? And That Takes Analysis, And Sometimes Collaboration Between Government And Business, To Understand How That Works.

A Bank Is A Relationship. I Can't Desert You And Expect To Have A Strong Relationship Afterward. If I Told Someone, "i Know You've Been Buying Milk From Me And You Need Milk To Survive. But The Price Is No Longer $2 A Gallon. It's Going To Be $40 A Gallon. I'm Going To Bankrupt You." What Do You Guys Think Of Me? You Would Hate Us.