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The purpose of abstraction is not to be vague, but to create a new semantic level in which one can be absolutely precise.
Banks should focus on long-term value rather than short-term gains.
The key is to set realistic customer expectations, and then not to just meet them, but to exceed them — preferably in unexpected and helpful ways.
I don't believe in pessimism. If something doesn't come up the way you want, forge ahead. If you think it's going to rain, it will.