We're not in cultures which support learning; we're in cultures that give us the message consistently: "Don't mess up, don't make mistakes, don't make the boss look bad, don't give us any surprises." So we're asking for a kind of predictability, control, respect, and compliance that has nothing to do with learning.

The guy with the competitive advantage is the one with the best technology.

Human capital will go where it is wanted, and it will stay where it is well treated. It cannot be driven; it can only be attracted.

Banking is a branch of the information business.

A country does not go bankrupt.

Every line in the government's budget has its own constituency.

The greatest testimony to the human spirit that I'm witnessing now is the fact that people still come back to work, after all that has been done to them. They are still willing to participate for a more positive future if they would be sincerely invited.