Banking is necessary - banks are not.

Microsoft does not dominate the software industry by any stretch of the imagination. We have lots of very able competitors who keep us constantly vigilant, and sometimes they beat us to the punch. Microsoft's success to date is based solely on the fact that people like Microsoft software.

The power of capitalism to mediate the gap between rich and poor is pretty incredible. Indeed, I think, year by year, the gap gets less.

Paul and I, we never thought that we would make much money out of the thing. We just loved writing software.

Microsoft Research has a thing called the Sense Cam that, as you walk around, it's taking photos all the time. And the software will filter and find the ones that are interesting without having to think, 'Let's get out the camera and get that shot.' You just have that, and software helps you pick what you want.

I think that our progress on key diseases over the next several decades is going to be pretty amazing and so I am very interested in that.

I have to say that in 1981, making those decisions, I felt like I was providing enough freedom for 10 years. That is, a move from 64k to 640k felt like something that would last a great deal of time. Well, it didn't - it took about only 6 years before people started to see that as a real problem.