TIMOTHY GEITHNER

"The top three things to get done are capital, capital and capital."

— Treasury secretary, on his main priority for regulatory reform

RICHARD NEIMAN

"A cascading effect will result as state banking departments lose their largest fee-providing banks and are forced to make up the difference by raising fees on the small banks, thus incentivizing morecharter flipping."

— New York State Banking superintendent,on the effect proposed regulatory reform would have on state-chartered banks

JOHN G. MCCOY

"Gentlemen, it's very simple. You can have either dignity or dividends. I vote for dividends."

— Former Bank One CEO, who died in April at the age of 97, confronting angry board members in 1962 over the use of comedian Phyllis Diller in radio and TV commercials

MICHAEL DIAMOND

"They were our salmon who were swimming upstream to find this service."

— Senior vice president at Obopay, on small-business owners who are embracing mobile payments as an alternative to accepting checks

BEN BERNANKE

"To avoid large and ultimately unsustainable budget deficits, the nation will ultimately have to choose among higher taxes, modifications to entitlement programs such as Social Security and Medicare, less spending on everything else from education to defense, or some combination of the above."

— Federal Reserve chairman

ELOIS ANDERSON

"That's just our one product here in the mountains; it's just real estate. We had all our eggs in one basket."

— Chairman at the Bank of Hiawassee in Georgia, which failed March 19

ALAN BLINDER

"The good news is that, whereas the Republican message machine managed to convince a lot of Americans that the health-care bill was bad for them, I think they will have a harder time with the financial reform."

— Princeton University Professor and a former Federal Reserve vice chairman

ERNEST DELLE DONNE

"Things are going to get worse before they get a lot worse."

— Veteran developer in Delaware, on the commercial real estate market.

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