Confidence is the key to everything.
Our experience tends to confirm a long-held notion that being prepared, on a few occasions in a lifetime, to act promptly in scale, in doing some simple and logical thing, will often dramatically improve the financial results of that lifetime.
The most important thing in mathematics is to understand the concepts, not just to memorize the formulas.
Innovation is the key to unlocking the potential of our industry, but it must be paired with discipline and foresight.