Bankruptcies are down, deposit growth and credit card income is strong, and delinquencies are down.

I would expect an acquisition out of Citigroup in North America sooner rather than later.

Lehman has more fixed-income, and fixed-income is where it's at right now.

I'm very happy they got it behind them. For investors on balance it's good news.

The Northeast United States was the biggest hole in Bank of America's footprint, and this fills it. There are many more banks that want to move into the Northeast. It leaves other banks looking at their second and third choices.

Revenue growth was very strong. There were a lot of doubters when Bank of America bought Fleet, and the bank has proven them wrong.

The consumer was awesome, the standout in the quarter.

Lehman has been working to work away from fixed-income and build up the equity business. We're seeing a payoff.

They're kind of in this sweet spot where Wall Street is coming back and they're watching their expenses.