Internal capital generation has been pretty powerful and it's not going to take a lot of new equity to combine with internal capital generation to get to over 4 per cent, ... And we would like to do it as soon as practical.

The car was pretty good, just a little bit on the free side. We're really happy with the car. We'll have to see how we are in the race, but it should be pretty good. We're here to win the race and that's what we're going to try to do tomorrow.

It's a pretty binary outcome that traders are facing on this one and there will be a lot of legal ink spilled over it.

This quarter's disappointing net loss occurred during one of the most severe global market dislocations in the post-World War II period, ... Equity markets declined, risk premiums in debt markets widened, and investment banking activity slowed markedly. Bankers Trust sustained significant losses in emerging market debt, high-yield debt and in our equity holdings.

I'm excited to have the opportunity to lead one of the true e-commerce innovators.

This settlement should not have a significant effect on our business going forward.