I've Always Been A ... Believer In

If The Government Wants To Do Social Policy, It Should Not Be Done In A Quasi-public Company. If You Have A Mortgage Guarantee Company Which Is Done By The U.s. Government, It Should Be Guaranteed By The Originators, I.e., The Shareholder.

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

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

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.

I Also Believe That Most Of The Emerging Economies Have A Fairly Large Amount Of Foreign Exchange Reserves, Relative To 10 Years Ago.