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.

It is very difficult to get people to focus on the most important things when you're in boom times.

The world is littered with corpses that predicted technology in a particular arena was done. If there's another gigantic step change out there, we don't yet know what it is.

We are stubborn on vision. We are flexible on details.

Cleverness is a gift, kindness is a choice. Gifts are easy-they're given after all. Choices can be hard.

If we can keep our competitors focused on us while we stay focused on the customer, ultimately we'll turn out all right.

I told all of our original investors that they would lose their money for sure.