Courage in monetary policy is not the absence of fear but the judgment that something else is more important than fear.
If you're competitor-focused， you have to wait until there is a competitor doing something. Being customer-focused allows you to be more pioneering.
Time does not heal all wounds; some remain, becoming part of us.
You have to say, I am the person who is going to make the difference.
True progress happens when we step out of our comfort zones and embrace change.