As the head of the bank, we owe our thanks to Fred Hochberg, who is here on stage, for doing such an outstanding job.

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"I owe a debt of thanks to all of those people, " said Mr Quincy.

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And now, all across America, there are some people that I owe a great debt of thanks to.

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Not only did the 2010 payroll tax cut die at the end of 2012, but high-income workers now owe an extra 0.9 percent, thanks to the Affordable Care Act.

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So we owe a lot of people thanks, and we are the first to acknowledge that we could not have done this by ourselves.

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