I just did my routine. I'm a crank bowler. I don't put my thumb in, I just throw the ball outside and hope it hits the pocket.

It's really easy to blow. Other call-makers, it takes a lot of breath to finish a long routine, and you run out of breath before the end.

I think you need to be selective in terms of the commercial banks. We've done a lot of studies in terms of credit quality in trying to figure out which ones really are at risk and which ones aren't. And I think that some of them are overly discounted at this point, like Chase Manhattan, Bank of America and Wells Fargo.

I think you need to be selective in terms of the commercial banks. We've done a lot of studies in terms of credit quality in trying to figure out which ones really are at risk and which ones aren't. And I think that some of them are overly discounted at this point, like Chase Manhattan, Bank of America and Wells Fargo,

I think a lot of it had to do with fixed income, foreign exchange and derivatives, ... I think there will be a rebounding in capital markets in the second quarter. I expect them to bounce back with a more healthy investment banking business.

Last year, we were the no-name team and we came out from nowhere. And this year, we have to keep our name and show people that we can still play.