In financing growing companies, we always looked for human value that didn't appear on the balance sheet.

For those of us who have lost loved ones in their prime - as I did when my father and other relatives succumbed - even one of those years would have been a precious gift.

My experience indicates that most people who've accumulated a great deal of wealth haven't had that as their goal at all. Wealth is only a by-product, not the original motivation.

The rest of the world is growing so quickly, they'll be looking for anything to buy.

Small and mid-sized companies in this country historically have been responsible for creating the overwhelming majority of new jobs in the private sector. One of the most-common misconceptions about our private enterprise system is that large companies, such as the Fortune 500, are integral to the process of job creation in this country. The truth is quite the opposite.

Earlier in this century, philanthropy often flowed from the wills of dead industrialists. In recent decades, it's as likely to have come from a very alive business leader, entertainer, artist or sports star. The most effective of these patrons begin the process of giving by asking what they care about passionately.

The past is always triple-A. We can all remember what the past was. But if we try to make the future triple-A, we have no future. The future is always single-B.