If The Economy Grows, Housing Gets Better,

If It Is A Small Rate Raises, [there Will Be] No Impact.

Our Commercial Bank [jpmorgan] Is Only In The U.s. We Are Serving What You Call Smes - Small Businesses, Private Companies.

When The Government Gets Involved In Pricing, I Don't Think It's The Right Way To Look At A Business.

It Can Take A Long Time To Get The Rules In Place That Are Conducive To Growing, Sometimes.

You Can Design A Mortgage System That Is Different Without A Fannie And Freddie, But There Are Principles You Have To Have, To Have A Good System.