Although to my knowledge the company has always made good faith efforts to get its accounting right, the SEC has determined that mistakes were made. By my early retirement, I have held myself accountable.

When they had difficulties they've had a tendency to lurch to the right and out of the mainstream, and we hope that doesn't happen this time,

Faith moves mountains, but only knowledge moves them to the right place

They flooded liquidity in the marketplace but the mortgage rate is based much more on expectations of inflation. So if the average investor believes that there is inflation coming, they'll move that rate up.

The automatic stabilizer is unemployment insurance, food stamps, additional coverage of Medicaid.

It's going to be a very targeted tax cut program that I think is going to make a meaningful difference for American families,