You will never have the time for anything. If you want the time you must make it.

You will never find time for anything. If you want time, you must make it.

You will never find time for anything. You must make it.

Success soon palls. The joyous time is when the breeze first strikes your sails, and the waters rustle under your bows.

We made solid progress during the quarter against our key priorities of maintaining and building business strength, improving productivity and balance sheet strength. Continuing to deliver against these priorities will allow us to position CIBC for consistent, sustainable performance over the long term.

Because of the lack of interoperability, we can lose billions of dollars in productivity,