When [competitors are] in the shower in the morning, they're thinking about how they're going to get ahead of one of their top competitors. Here in the shower, we're thinking about how we are going to invent something on behalf of a customer.
当[竞争者]在早晨洗澡的时候，他们在想如何超过他们的一个主要竞争对手。我们在早晨洗澡的时候，我们在想如何让我们的客户更满意。实际上，我们想如何发明一些新的东西，我已经看到这个模式在我们的所有业务中重复出现。
The key to financial stability is proper regulation that aligns incentives between bankers and society.
告诉我动机，我会告诉你结果。
圣人不期望完全效法古代，不墨守一成不变的旧规。
创新源于解决实际问题。
