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“Nothing highlights better the continuing gap between rhetoric and substance in British financial services than the failure of providers here to emulate Jack Bogle's index fund success in the United States. Every professional in the City knows that index funds should be core building blocks in any long-term investor's portfolio. Since 1976, the Vanguard index funds has produced a compound annual return of 12 percent, better than three-quarters of its peer group.”

“I can't help but react to the painful realities of the two-tiered society we live in, where the signs of poverty and inequity are everywhere. Almost twenty five percent of our children live at or below the poverty line. We expect the no-option life cycle of the poor to be interrupted by the weak social safety net and then wonder why building more jails doesn't solve the problems.”

“An aggressive building performance standard for all new buildings, and a set of performance requirements to be met by all buildings before they can be sold (when upgrades can be included in the new mortgage). These should encompass heating and cooling, lighting, and plug loads. Coupled with new efficiency standards for appliances, lights, and furnaces, this should reduce the energy consumption of new buildings by 50 percent, more or less immediately, and go on from there.”

“The Electoral College said that [Donald Trump] is the president, he's the president.But as a president, you also have to build. And if I'm sitting there and part of his team and I go look, we're probably not going to win the next election with 46 percent of the vote, so people like John Lewis and all these other groups, you have to start building bridges toward, this week was a disaster because he is burning bridges, not building them.”

“On that walk around the building, two sets of cops coming out stopped to tell our guys to hustle us inside so they could head back out on the road. Accidents everywhere. A pileup on each of two major roads. “Welcome to winter,” one said. “When fifty percent of drivers should have their licenses temporarily suspended.”