I wake up every day with a smile on my face.
I recall my dad saying about me once that the only time he'd ever heard me say 'never' was when I was asked if I'd had enough.
Banks hold deposits and savings entrusted to them by individuals, by businesses, by governments and by central banks. They put that money to work, helping people to buy homes, for example, or lending to businesses to invest in expansion.
The ultimate arbiters of the models of banking and the management of banking are the investors. It's the shareholders.
Soon after the financial crisis of 2008, I was at a meeting in Washington with a group of U.S. senators. They had invited me to provide a point of view on new regulation; regulation aimed at ensuring we never have to go through the events of 2008 ever again.