But there's still so much you can do with technology to improve the customer experience. And that's the sense in which I believe it's still Day One, and that it's early in the day. If anything, the rate of change is accelerating.

The people who are right a lot often change their minds.

The one thing that offends me the most is when I walk by a bank and see ads trying to convince people to take out second mortgages on their home so they can go on vacation. That's approaching evil.

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

You know, if you make a customer unhappy they won't tell five friends, they'll tell 5,000 friends. So, we are at a point now where we have all of the things we need to build an important and lasting company, and if we don't, it will be shame on us.

I think frugality drives innovation, just like other constraints do. One of the only ways to get out of a tight box is to invent your way out.

We are at the 1908 Hurley washing machine stage with the Internet.