金融发展的关键不仅在于拥有更多的金融工具，还在于拥有支持这些工具的适当制度。

Sometimes you have to go through the darkness to get to the light.

You can't just make architecture for the sake of architecture. You have to make architecture for people.

"We need to be insatiable in our desire to learn from the outside and bring that learning into Microsoft."