I Don't Think You Could Have A

We've Had Fairly Consistent Financial Results.

Economies Of Scale Are A Good Thing. If We Didn't Have Them, We'd Still Be Living In Tents And Eating Buffalo.

People Need To Understand: Businesses Are Going To Make Mistakes. They Shouldn't Be Shot And Hung Every Time. We Should Apologize For It. We Should Make Up For It. My Shareholders Paid For It. No Customer Was Hurt, Which Is Critical To Me. But I Hurt My Shareholders, And I Wish I Hadn't.

Let's Look At Lending, Where They're Using Big Data For The Credit Side. And It's Just Credit Data Enhanced, By The Way, Which We Do, Too. It's Nothing Mystical. But They're Very Good At Reducing The Pain Points. They Can Underwrite It Quicker Using - I'm Just Going To Call It Big Data, For Lack Of A Better Term: "why Does It Take Two Weeks? Why Can't You Do It In 15 Minutes?"

I Wanted To Start By Saying That The Eurozone - There Are Two Reasons They Formed The European Union. One Is For Political Peace And Rationalization. And I Think That's A Good Thing For A Continent That Went Through Hundreds Of Years Of Wars.