It is a key priority for Citigroup to resolve major cases like this one and to put a difficult chapter in our history behind us.

More of our growth over the 5 to 10 years will come internationally than nationally. Having their expertise as part of the team effort really gives us a leg up.

I don't think we are late to the party. I would already have liked to do it.

We're not going to do big, complicated deals. We are going to do string-the-pearls, extend-the-franchise type of deals.

Jim is really going to be helping us expand the footprint. We don't need a peacemaker internally.

We've had softer revenue growth in North America than we want. This is something that I think we can do better.