We need to continue to restore trust in the strength of the U.S. banking system and global systemically important financial institutions.We have to remind ourselves that responsible banking is good and safe banking.We believe in good regulation — both to help America grow and improve financial stability.We believe stock buybacks are an essential part of proper capital allocation but secondary to long-term investing.On the importance of the cloud and artificial intelligence, we are all in.We remain devoted and diligent to protect privacy and stay cyber safe — we will do what it takes.We know there are risks on the horizon that will eventually demand our attention.We are prepared for — though we are not predicting — a recession.