I was working at a financial firm in New York City with a bunch of very smart people， and I had a brilliant boss that I much admired. I went to my boss and told him I wanted to start a company selling books on the Internet. He took me on a long walk in Central Park， listened carefully to me， and finally said， "That sounds like a really good idea， but it would be an even better idea for someone who didn't already have a good job." That logic made some sense to me， and he convinced me to think about it for 48 hours before making a final decision. Seen in that light， it really was a difficult choice， but ultimately， I decided I had to give it a shot. I didn't think I'd regret trying and failing. And I suspected I would always be haunted by a decision to not try at all. After much consideration， I took the less safe path to follow my passion， and I'm proud of that choice.

"Books are the maps that guide us through life."

I never think about the consequences of missing a big shot… when you think about the consequences, you’re probably going to miss.

The moment you take responsibility for your life is the moment you start changing it.

——回答清华学生“国民党施行的，是否俄国的主义？”，1924年2月9日

Innovation is not just about new products; it's about rethinking how we create value for our customers.

创新是银行业可持续发展的关键。

The future belongs to companies that can simplify complex things.