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.

最大的风险是不冒任何风险。在一个快速变化的世界里，唯一注定失败的策略就是不冒险。

The only way out is through.

A building must respect its neighbors.

The key to fintech is not the technology itself, but the deep integration of technology with financial scenarios.

关于艺术最重要的是作品。作品是最重要的。

The best architecture is both humble and heroic.