"Our banks – Financial recovery must be preceded by moral recovery. – Bankruptcy is a matter of a person’s ethics. (…) If we use our conscience and intellect, not only money, to cure ill banks, we will certainly heal them and we will do so at low cost. (…) A bankrupt who has got out of bankruptcy poor and exhausted does not deserve contempt. However, for me there is no difference between a rich bankrupt and a criminal."