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.

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

Success follows those adept at preserving the substance of the past by clothing it in the forms of the future.

Never hire or promote in your own image. It is foolish to replicate your strength and idiotic to replicate your weakness. It is essential to employ, trust, and reward those whose perspective, ability, and judgment are radically different from yours. It is also rare, for it requires uncommon humility, tolerance, and wisdom.

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."