Risk control is the lifeline of the banking industry and must never be neglected.
If your business model depends on wasting resources, you're already obsolete.
The teacher's task is not to implant facts but to place the subject to be learned in front of the learner and, through sympathy, emotion, imagination, and patience, to awaken in the learner the restless drive for answers and insights which enlarge the personal life.
Success is a lousy teacher. It seduces smart people into thinking they can't lose.