Don't Do Anything Stupd. And

I Am Not Embarrassed To Be A Banker. I Am Not Embarrassed To Be In Business.

I Completely Agree With The Concept That American Citizens Shouldn't Expect That A Failure Of A Bank Would Cost Them Money, Or That It Would Hurt The Economy.

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.

There Is A Lot Of Focus On That First Rate Move, And I'm Not Sure How Important That Is.

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.