Roger Williams actually said...

"the bank did not have a chief risk officer--I think you have talked about that--for 8 months between April 2022 and January 2023."

"You didn't have anybody in charge, but that is fine."

"It is kind of like, if in my car business selling cars, we don't have a sales manager."

"Usually, you hear about having more people than you need with the government; now, we have too few."