Question about:
General Question...

Q:        Back in October you were on an early morning talk show, you recommended a get out of the market, watch your money. Is it time to get back in? Or do you hold by that?

Jim:     If you need the money for the next five years for a particular purchase I do not think it is time to get back in… I think this market is too shaky… if you have a longer term horizon, that I would still commit… that was a call made 20% ago… widely reviled for missing a huge decline… I don’t know… you go figure.

Question about:
General Question...

Q:        Unfortunately I was laid off a few months ago from my derivatives training position, and following up on Mr. Schmidt’s question, I want to know where do you see the growth opportunities in financial services over the next five years?

Jim:     Okay, I am going to give it to you right now, I want you to get with four or five guys and be able to create a bank holding company… I am not kidding… no, no, this is my single best… this is just like the RTC moment in 1990... you are going to have an unbelievable opportunity with your four or five friends to be able to buy a small bank that is going to be spun off from the first national bad bank that Sheila Baer is going to put together… that is your opportunity… I have many friends doing this exact same thing… you should get in on it too… get your friends together… get ready to buy a little bank… fresh start… you will do a good job… congratulations… I have just given you a great idea. Best of luck.

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