Throughout history, it took centuries for the habits of one culture to materially affect another. Now, that which becomes popular in one country can sweep through others within months.

Leadership: Here is the heart and soul of the matter. If you look to lead, invest at least 30% managing those with authority over you, and 15% managing your peers. Use the remainder to induce those you 'work for' to understand and practice...lead yourself, lead your supervisors, lead your peers, and free your people to do the same. All else is trivia.

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

Making good judgments when one has complete data, facts, and knowledge is not leadership - it's bookkeeping

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."

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

Money motivates neither the best people, nor the best in people. It can move the body and influence the mind, but it cannot touch the heart or move the spirit; that is reserved for belief, principle, and morality.