We Continued To Build The

We, Americans, Have The Best Country On The Planet. We Have Schools, Universities, Food, Water, Energy, Peaceful Neighbors, Low Corruption, You Name It, Deepest And Widest Capital Markets. That Doesn't Mean We Shouldn't Identify Problems. We Don't Have A Divine Right To Success.

I Hate The Word Universal, Because I Don't Know Exactly What It Means. The Question Is, Does It Work For The Client? Travelers Was A Diversified, Financial Conglomerate That Did Very Well. The Businesses Had Nothing To Do With Each Other.

I Think Normalization Is A Good Thing.

I Agree With People Who Say We Want More Income Equality; We Want More Consumer Protection; And We Want Sounder Banks. I Agree With All That.

Let's Look At Lending, Where They're Using Big Data For The Credit Side. And It's Just Credit Data Enhanced, By The Way, Which We Do, Too. It's Nothing Mystical. But They're Very Good At Reducing The Pain Points. They Can Underwrite It Quicker Using - I'm Just Going To Call It Big Data, For Lack Of A Better Term: "why Does It Take Two Weeks? Why Can't You Do It In 15 Minutes?"