Design adds value faster than it adds cost.

I've been using Vista on my home laptop since it shipped, and can say with some conviction that nobody should be using it as their primary operating system - it simply has no redeeming merits to overcome the compatibility headaches it causes.

If something seems possible, that's probably because someone is already doing it. When something seems that it can't possibly work, nobody tries it. Real innovation happens when someone tries anyway, overlooking an obvious flaw, and finds a way to make an idea work.

Something is usable if it behaves exactly as expected.

Not having a schedule is OK if it's your PhD and you plan to spend 14 years on the thing, or if you're a programmer working on the next Duke Nukem and we'll ship when we're good and ready. But for almost any kind of real business, you just have to know how long things are going to take, because developing a product costs money.

Full service brokers, in this day and age of low cost mutual funds and discount brokers, are really nothing more than machines for ripping off retail investors.

Writing code is not production, it's not always craftsmanship though it can be, it's design.