It's hard to crystal ball that. You'll see more and more vertical development, but you need major corporate headquarters to have buildings like that.

Two years ago, Frank Doyle came into the Harvard game in the third period in Albany [to replace Jimmy Howard]. You've got to be ready for everything.

I am really looking forward to seeing Molly, Morgan, and Kelsey run.

You win the modern financial-regulation game by filing the most motions, attending the most hearings, giving the most money to the most politicians and, above all, by keeping at it, day after day, year after fiscal year, until stealing is legal again.

I think there's a lot of learning process in figuring out what things you want to do and shouldn't do. Maturing in that way is something that comes with experience and time.

It's not a stretch to say the whole financial industry revolves around the compass point of the absolutely safe AAA rating. But the financial crisis happened because AAA ratings stopped being something that had to be earned and turned into something that could be paid for.