"It might be harder for us to charge a higher interest rate, like they do, so it might not be as profitable for us. But we can either compete or partner, like we've announced with On Deck, which does some of the stuff we just spoke about."

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Am I solemn? I had an idea I was grinning from ear to ear." "You look as if you were taking me to a prayer-meeting or a funeral. If that's a grin your ears are very near together." "Should you like me to dance a hornpipe on the deck?" "Pray do, and I'll carry round your hat. It'll pay the expenses of our journey.

— Henry James