He reveals: "This one time I had a girlfriend that was out of the country a lot." So I gave her a watch and set it to 'my time' so wherever we were, we'd always be on the same time.

Some of the best decisions I've made were taking bets on people; It's been satisfying to watch them thrive against a new set of challenges.

But this bill leans heavily on regulators: they watch the firms, set capital requirements, have to reach consensus before taking down a failing institution, and, well, everything else.