Far better than a precise plan is a clear sense of direction and compelling beliefs. And that lies within you. The question is, how do you evoke it?

Make a careful list of all things done to you that you abhorred. Don't do them to others, ever.

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."

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.

Experience is easy to provide and quickly put to good use by people with all the other qualities.

The essence of community, its heart and soul, is the non-monetary exchange of value; things we do and share because we care for others, and for the good of the place.

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