It's not really in their interest to carry this. We're focused on just his one product. That's why there's no one else like us.

We're essentially putting ourselves out of business. That's one reason I know that I have to start looking for [new] industries.

I'd like to see it, ... There's an interest in doing it. If it's not done this year, it would be next year.

There's a big ground swell of interest in new payment technologies.

It's not in the U.S. interest to push Chen into a corner.

The primary driver behind the miss looks to be net interest margin compression, which we have seen from other banks that have reported this quarter. But it seems more pronounced with Sovereign.