We have a confluence of some very stimulative things that make us pretty optimistic about the level of growth we could see in 2026. Our view on nominal growth this year would be higher than the consensus.

I think we're set up where we have the possibility for a stronger growth trajectory for the next few years. We're set up with a better possibility for that than we've had in quite some time.

The business environment sets up very well. Business people feel unleashed all over the world and want to invest in and grow their businesses.

I don't believe that a 10% credit card cap would be constructive. It would significantly constrain credit for most Americans.

Housing is a real, complicated multifaceted issue. To really get at it, we've got to get at supply and things that make it easier for people to afford down payments.