charlie: every business ma tiewrs. technology isn't necessarily maturing.t scares me about banking is that there is no -- there are no employers in banks except for small players who come in and try to do niche deals. they are either being consolidated or downsized because of regulations. greg fleming: what happens in any industry. when returns are challenged and the growth trajectory is changed, there will be restructuring. it will look different 5 to 10 years from now than they do today. you look at the transfer from research and motion from the blackberry to apple. in apple the growth rate may be slowing. anthony: are the profits gone? greg fleming: they are not gone but the trajectory of the growth curve is done. and they have to readjust. anthony: focus on efficient use of capital and generating returns on capital of 20-30 percent which existed for a long time is not there. gary: you brought the financial industry back and did it well as much as you can in this environment. where do you see your next move? do you see yourself going back to a big bank?

charlie: every business ma tiewrs. technology isn't necessarily maturing. what scares me about banking is that there is no -- there are no employers in banks except for small players who come in and try to do niche deals. they are either being consolidated or downsized because of regulations. greg fleming: what happens in any industry. when returns are challenged and the growth trajectory is changed, there will be restructuring. it will look different 5 to 10 years from now than they do today. you look at the transfer from research and motion from the blackberry to apple. in apple the growth rate may be slowing. anthony: are the profits gone? greg fleming: they are not gone but the trajectory of the growth curve is done. and they have to readjust. anthony: focus on efficient use of capital and generating returns on capital of 20-30 percent which existed for a long time is not there. gary: you brought the financial industry back and did it well as much as you can in this environment. where do you see your next move? do you see yourself going back to a big ba