I think we are a product of all our experiences.

From the business point of view, always encouraging the people in our company to own stock in the company, and if we're going to build something great, to have a lot of people share in the benefits of that greatness.

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.

A lot of people at Shearson ended up making a lot of money because they had stock or stock options. Their kids were able to go to college, and it changed a lot of people's lives.

I was sort of a sissy as a little kid.

And I thought I'd always like some form of business, I didn't know what kind of business I'd go in.

My mother really didn't know a heck of a lot about business. She was a very good mother, that made sure we ate right and we had our cod liver oil, but didn't know a heck of a lot about what I did.