The three most important things in retail are location, location, location. The three most important things for our consumer business are technology, technology, technology.

Infrastructure web services had to happen.

Will you be clever at the expense of others, or will you be kind?

There are multiple ways to be externally focused that are very successful. You can be customer-focused or competitor-focused. Some people are internally focused, and if they reach critical mass, they can tip the whole company.

I believe you have to be willing to be misunderstood if you're going to innovate.

Are you lazy or just incompetent?

I don't buy stocks, I make stocks.