How do you think about succession? You’ve said you don’t want to be running your company when you’re 65.

If you’re hiring right, you’ll have the most ambitious group of people in the world. They want to win. They want to succeed. The ultimate success to many of them is becoming CEO, so I think it’s important that I tell people I’m not going to stay in that job forever. With most of the firms in banking that get into trouble, it’s because they became stiff and didn’t change. I don’t know when this will happen, but I want somebody to come in and say, “Yeah, this is all the stuff Ken screwed up.”