We're very competitive in price ... where I think we were a little behind, frankly, was customer service.

Customers are engaging with us on more fronts.

We're doing a great job with the core retail customer, servicing them with cash products, credit products and investment products. It's working as it's written on the wall.

You could buy a stock in Europe and the market could be closed for three or four days during the Christmas holiday, and you could see your portfolio value go down because the currency market moves.