College today is an expensive option without a lot of economies of scale, right, when you go and live at a college. So you have a system that's increasing its cost base by probably five percent a year.

Businesses are no longer receiving the cost savings from outsourcing that they once did.

The best thing we can do for a young person is to expect a great deal from them.

I was taught very early on how you treat people is actually what matters.

One can fall into the soft bigotry of low expectations.

Years ago, as I was beginning my professional career on Wall Street, I volunteered as a Big Brother in New York City.

You can't give until you have.