If you think you can't, why think

The reason is still difficult to explain, but it is not complicated. That inner voice that will not be denied, once we learn to listen to it, had whispered since the beginning, "Business is not what your life is about. Founding VISA and being its chief executive officer is something you must do, but it's only preparatory."

Hire and promote first on the basis of integrity; second, motivation; third, capacity; fourth, understanding; fifth, knowledge; and last and least, experience.

What will become compellingly important is absolute clarity of shared purpose and set of principles of conduct sort of institutional genetic code that every member of the organization understands in a common way, and with deep conviction.

The most abundant, least used, and most abused resource in the world is human spirit and ingenuity.

Heaven is purpose, principle, and people. Purgatory is paper and procedure. Hell is rules and regulations.

Failure is not to be feared. It is from failure that most growth comes.