Jamie Dimon

I don't have to worry about that.

And we're going to invest in our future, whether it's technology, new branches, new countries.

So we always run it that way, looking at our margins

and things like that.

Now of course, we manage credit.

Some of the credit's just managed because people want a loan, they come to us, we offer X, and someone does something more aggressive, and we lose.

And we're totally fine with that.

We've seen a bunch of that on the leverage side.

Sometimes we tighten our standards.

We want more covenants, we want more collateral, we are doing less subprime, we trim our sales in credit card, for example, where you have lessons learned.

And once the lesson's learned, you make a bunch of changes underwriting.

But we've always been pretty good at underwriting credit.

So when there's a cycle, it's going to run through our books too.

But we're adults.

Reduce our results, we'll still be fine.

So everything we do, whenever we meet, if you were running a business at J Morgan, at that level, credit card, auto, you know, mortgage, sales and training, we always say, what are you doing to grow your business?

And that could be adding great sales people, if you're adding countries.

Very often, it's adding technology.

It's various forms of technology.

It's just building something that's a digital account or an API that a customer wants.