I have never told any analyst what he or she had to write -- and I never would, ... My conduct has been entirely appropriate and proper.
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Over the last several weeks, we have been working closely with our regulators and have been considering a number of ways to address the issues challenging the industry,
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In the last few days, our company has been severely criticized for past activities in our corporate and investment bank, ... I feel badly and I truly regret the pain that has been caused.
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We never again want to have questions raised about the objectivity of our research, ... I have been reminded myself of how the appearance of what we do may be questioned and of how we must take care to ensure that our conduct does not raise such questions or in any way undermine our customers' or shareholders' confidence in the integrity of our business practices.
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