商业成功来自预见变化，而不仅仅是对变化做出反应。
"The only way to deal with an unfree world is to become so absolutely free that your very existence is an act of rebellion."
【释义】与其一味行善，不如先停止作恶；与其在犯错后弥补，不如平时谨慎反省，防微杜渐。
Banks must balance scale, efficiency, and quality.