In almost every job now, people use software and work with information to enable their organization to operate more effectively.

When Paul Allen and I started Microsoft over 30 years ago, we had big dreams about software. We had dreams about the impact it could have.

U.K. companies are in very international and very competitive markets. If you look at PC penetration in the U.K., it is very similar to the United States market.

The world needs banking but it does not need banks.

Software innovation, like almost every other kind of innovation, requires the ability to collaborate and share ideas with other people, and to sit down and talk with customers and get their feedback and understand their needs.

In the long run, your human capital is your main base of competition. Your leading indicator of where you're going to be 20 years from now is how well you're doing in your education system.

Banking is necessary - banks are not.