JP Morgan CFO Jeremy Barnum Says This Persistent U.S. GSIB Surcharge Is Obviously Bad For International Competitiveness; Says Consumer Spend Growth Is Continuing Above Last Year's Pace; Client Engagements And Investment Banking Pipelines Remain Healthy; Developments In The Middle East Could Have An Impact On Deal Execution And Timing; Says I'd Be More Worried About When There's A Credit Cycle, How's That Going To Filter Through The Whole System