There is a lot of opportunity in all of this stuff [like healthcare business]. I don't know why everybody is focused on the negatives.

As a whole, [changing] is deflation force that is being underestimated. Whether each person thinks of it in the context of the word deflation ... what they think of it is, "Hard to hold my margin. I'm under margin pressure. I'm under sales pressure. I'm under cost pressure."

There is a lot of opportunity in all of this stuff [like healthcare business]. I don't know why everybody is focused on the negatives.

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.

Income is there to create quality of life, but you can share your car and get where you want to go, and you can travel the world by couch surfing.

We pick on retail, I think, because each individual has experience with retail. It is easy to talk about.

Do people have confidence? I think the real confidence you need is the confidence in your outlook, and I think people are pretty confident it is a low-growth world.