And when we used to play and fight in the streets in Brooklyn and I would get hurt or something, my mother would always come out and save me. So that sort of postponed the inevitable about getting a good beating, without having somebody to come and save you.

I think life is sort of like a competition, whether it's in sports, or it's achieving in school, or it's achieving good relationships with people. And competition is a little bit of what it's all about.

My mother really didn't know a heck of a lot about business. She was a very good mother, that made sure we ate right and we had our cod liver oil, but didn't know a heck of a lot about what I did.

And it was where I learned how to play tennis and eventually became captain of the tennis team at the school and was on the Junior Davis Cup in New York City.

The whole financial industry is consolidating in the United States.