One of the really key things to look at in terms of crafting strategy when you're in an economic crises is how do you maximize essentially your liquidity position? Your ability to both take kind of profits and revenues and business and then convert that into a stronger lead. And so those companies that can do that can actually, you know, get a march on their competitors.

I think we realized the depth of frustration through the current political process. So we said, "OK, we know there's a serious problem here, we know we need to work on it," and now it's "Oh, we need to work on it a lot faster."

We don't celebrate failure in Silicon Valley. We celebrate learning

You jump off a cliff and you assemble an airplane on the way down.

Finished ought to be an F-word for all of us. We are all works in progress. Each day presents an opportunity to learn more, do more, be more, grow more in our lives and careers.

The challenge when you think about product distribution is: how are you competing for potential customers or potential members time?

During normal times or boom times, there are some parts of the business that are going to so well, that that can cover for weakness and other parts of the business. What happens during recessions, is you have less windfalls just helping you cover mistakes. You have to be more careful about not making mistakes.