Institutional critique must come from within institutions.

Simplicity is the master key to financial success.

The key to successful investing is to have a strong understanding of the fundamentals, a disciplined approach, a clear understanding of the market, a long-term perspective, and a clear understanding of the risks and rewards.

In the end, it is not the years in your life that count, but the life in your years.

Quality is never an accident; it is always the result of intelligent effort.