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“Someone has described the modern American as a person who drives a bank financed car over a bond financed highway on credit card gas to open a charge account at a department store so he can fill his savings and loan financed home with installment purchased furniture. may this also be a description of many modern professed Christians? And may this not be one reason why modern Christians have so little time to pray? Importunity combined with perfect faith in unconquerable!”

“The best way to look at any business is from the standpoint of the clients. So there are these certain basic things that aren't going to change. Companies are going to have needs for equity, debt, advice, FX, and derivatives. Individuals are going to have needs for auto loans, mortgages, something that looks like a deposit account, and the ability to send money to people. Those things aren't going to change.”