Without going too deep, without globalization I am not sure everyone would be able to have a supercomputer in their pocket at the low cost.

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.

If you're not exposing yourself to a non-consensus view somehow over the course of a day, you can reject them, but you should expose yourself to them.

In most industries, technological change is happening at a rapid rate.

Whatever it is, in a 1% GDP world, I think people feel like there are other things they have to do other than just organic growth.

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

We're a small part of this ecosystem. When we go to a school and talk about investment banking, they are these monster financial conglomerates, and so we end up in the same pot. That is still an issue for us.