The consensus is a very dangerous thing to get complacent about.

It is hard to compare over generations. I think a lot of the top talent is choosing other fields. We look pretty hard - we put a lot of time and effort into finding talent.

The investing public understands that you need to do things to position yourself.

I think that life expectancy over the last 10 years has increased dramatically. You're living longer.

Everybody is looking at their base business and saying, "What else is it? Sure, we do this, but while we're doing that, what else do we know about our customer, and what does that enable us to do?" That comes from the access to information and the ability to analyze it with a speed they never had. I think everybody is thinking that way.

I do think [in USA] is a need for change. There is something wrong when you have $20 trillion of debt and crumbling infrastructure at the same time, and really fewer people employed than have been. Something is wrong.

You see a wave of populism in the world. There is something wrong. This maybe because of technology.