Ben Ray Luján actually said...

Jamie Dimon... described stock buybacks as one of the last uses of excess capital, particularly after investing in growth.

I certainly agree with that. But I want to bring attention to the challenge that you identified, and I appreciate you identifying it.

Would paid leave help? If people are getting worn out and tired and things of that nature as well, and you want fresh eyes so we don't see m...

If that is a problem, before we have an incident--we know it exists today, and if that is broken in the system, let's fix it.