Details create the big picture.
The whole financial industry is consolidating in the United States.
I think Latin has some logic to it and there was a discipline.
If we build something great, like we have at Travelers Group so far, a whole host of people benefit.
You never want to think the best things are in the past. You want to get yourself to believe that the best things are going to be in the future.
And learn that when you do make a mistake, you'll surface that mistake so you can get it corrected, rather than trying to hide it and bury it, and it becomes a much bigger mistake, and maybe a fatal mistake.