When [competitors are] in the shower in the morning, they're thinking about how they're going to get ahead of one of their top competitors. Here in the shower, we're thinking about how we are going to invent something on behalf of a customer.

I think technology advanced faster than anticipated. In that whirlwind, a lot of companies didn't survive. The reason we have done well is because, even in that whirlwind, we kept heads-down focused on the customers. All the metrics that we can track about customers have improved every year.

I knew that if I failed I wouldn't regret that, but I knew the one thing I might regret is not trying.

I try to spend my time on areas that I think are important for the future, and where I think I can add value.

My view is there's no bad time to innovate.

If you can't feed a team with two pizzas, it's too large.

If your customer base is aging with you, then eventually you are going to become obsolete or irrelevant. You need to be constantly figuring out who are your new customers and what are you doing to stay forever young.