If the government is funding itself at 2 per cent, you know, how much are you going to pay savers if you want to lend money at a cheaper rate? People have the incentive to build a factory or open new stores. It is a trade-off.

I am confident that our experience, our scale, our intimate knowledge of the needs of our customers put us on the front line of economic and social progress.

We didn't invent gunpowder. What we did was take things that were there and put them together in a way that works.

We can help families buy their homes and invest in their educations.

I have a very, very difficult job.