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Banking

Capital Markets

Thank you, Tom. I'd like to thank you and your team for your leadership, and for hosting this conference... and I'd especially like to thank all our clients - issuers and investors - for your business, and for joining us here this week. This is a great opportunity for us to make the connections that will help all of us grow our businesses.

I didn't get a chance to hear Mickey's remarks this morning, but I know what he's thinking regarding the economy... and I agree with him. Mickey and I tend to agree on economic forecasts - and not just because he's really smart... or because I'm in charge.

We tend to agree because we are both optimists - which I think all businesspeople are to a degree. We believe that given a free market and a smart, ambitious, hardworking, creative workforce, good things will happen.

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