The cloud services companies of all sizes; the cloud is for everyone. The cloud is a democracy.

The future of communicating with customers rests in engaging with them through every possible channel: phone, e-mail, chat, Web, and social networks. Customers are discussing a company's products and brand in real time. Companies need to join the conversation.

You have chosen the wrong path if it's not fun. And you are probably not taking enough risk if it's not hard and rocky sometimes.

I think a critical part of being successful in our industry is having a beginner's mind

I had one goal. I wanted people to really learn the tools that could change, because I taught finance for years, I network with people in their 20s, obviously, and all ages I've worked with. But I wanted to just take that to another level, and I also, quite frankly, was just angry. I was angry about the level of abuse I saw in 2008 that happened to people. I knew what happened, I had made a fortune during that time because when things melt down - and they're going to again; life is cyclical - it's one of the greatest opportunities in your life.

If there wasn't any competition, I'd be very worried, because it would mean we were not doing very well.

I just cannot understand why we can't have better schools. That private schools are the only option for the kind of high-net-worth crowd, I think, is ridiculous. It should be a major initiative. It should be something we're all working on. We have to get our head out of the clouds.