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" The world is getting better, but not in a straight line. "

James P. Gorman

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" I figured if you live in a country long enough, you want to be a part of the political process, and you sort of owe it to your hosts. They've accepted you. Why wouldn't you accept them? "

James P. Gorman

" You can't operate a business running at a loss, and particularly if you're doing it by paying yourselves. It just doesn't fly. "

James P. Gorman

" Cash as a physical entity will virtually cease to exist, with coins and checkbooks consigned to museums. As people conduct their financial transactions on hand-held devices made secure by advanced biometrics, even tipping will be done electronically. "

James P. Gorman

" Banking's a sexy industry! Creative - it's dynamic, it's global, it's fast-moving, you bring a lot of talented people together! "

James P. Gorman

" I have a direct way of speaking. What I do is tend to lay out everything; I tend to tell people what I'm going to do and how I'm going to do it and what is success for us and what's not... without being too parochial about it, I think Aussies are more direct. "

James P. Gorman

" I'll be very clear about this: I'm not a fan of getting rid of Dodd-Frank. "

James P. Gorman

" I'm married to a health-conscious American. I try to eat well, but definitely, as an Australian, you have some of the red meat, lamb, steak, barbecues as part of your culture. "

James P. Gorman

" I certainly have no regret living in the U.S. The quality of life in Australia is good, but it is bloody good here as well. "

James P. Gorman

" The U.S. is becoming an industrial heartland again. "

James P. Gorman

" The basic architecture of Dodd-Frank makes sense. At the same time, as a number of regulators and legislators have observed, the act was a complex effort that produced thousands of pages of rules. "

James P. Gorman

" Every now and then, markets behave like schoolchildren. They overreact, they run around like crazy. "

James P. Gorman

" That is what made America great: that everyone had the opportunity to be a winner. And I think it's still there. I'm certainly a beneficiary of it. "

James P. Gorman

" If you're just interested in the prestige of banking, that's not what's going to sustain you. You have to be interested in what we do: managing and originating capital, helping issuers and investors come together is great, bringing these companies to life. "

James P. Gorman

" The threshold question: Will banks continue to exist? The answer is yes, because society will still need the two essential functions they provide: mobilization of capital from providers to users, and facilitation of payments for goods and services. "

James P. Gorman

" Markets shouldn't be moving in a straight line. "

James P. Gorman

" I think anybody who says they don't care about being liked is lying. I care if my dog waves its tail when I come home. But you're not going to make everybody happy. "

James P. Gorman

" I'm one of 10 children, and all my brothers call me Jim. And all my sisters... well, they call me something even more affectionate. My mother calls me James, and I do what my mother tells me. "

James P. Gorman

" There are elements of Dodd-Frank that clearly need to be curtailed. "

James P. Gorman

" I am very proud of my Australian roots. "

James P. Gorman

" Bringing world leaders together as human beings rather than political machines is very important. "

James P. Gorman

" I think Americans are very verbal and Aussies are more circumspect, and that can come across as being clearer. It can also come across as abrupt and cold. Some people find me to be abrupt and cold. That's just my personal style. "

James P. Gorman

" As much as the banking system may not be terribly popular, it is an essential part of the economy. "

James P. Gorman

" If you underperform for your owners, eventually they pick up their bat and ball and go home. "

James P. Gorman

" Let's be honest: It wasn't just the banks who messed up. There were a lot of people who tried to buy assets they couldn't afford. That's a reality. "

James P. Gorman