For every one of our failures, we had spreadsheets that looked awesome

Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.

The current institutionally provided retirement plans will not cover people's needs upon retirement.

Before 1980, it was basically illegal for U.S. banks to invent new products.

People don't place their trust in government or company pension plans; they have to be self-reliant.

Today more people believe in UFOs than believe that Social Security will take care of their retirement.

A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.