Change is hardest in the beginning, messiest in the middle, and best at the end.
银行的关键功能是将非流动性资产转化为流动性负债。
Everybody, all politicians on Left and Right, agree that meritocracy is a great thing, and we should all be trying to make our societies really, really meritocratic. In other words -- what is a meritocratic society? A meritocratic society is one in which, if you've got talent and energy and skill, you will get to the top, nothing should hold you back. It's a beautiful idea.