Ed Perlmutter: “There's also competition with foreign governments. And we can't forget that.”

And I want to thank the panel and all your colleagues for your persistence and your perseverance with this project because it had a few ups and downs over the course of its life.

I think will bring a lot of fruit to bear in terms of suggestions that we had and have about modernizing and improving the way this place functions...

If there is anything that is built on trust, it is banking, and the banking sector lost a lot of trust in 2008.

I absolutely agree. I think we are up to 600, 700 pages of Ethics provisions... some things that are going to be needed, and there are going to be some things that... need to be cleaned up.