没有刻苦钻研的精神，就不能明辨事情的道理；没有专心致志的工作，就不会取得显赫的成绩。

监管应侧重于减少挤兑的可能性，而不仅仅是防止破产。

Education begins the gentleman, but reading, good company, and reflection must finish him.

I think frugality drives innovation， just like other constraints do. One of the only ways to get out of a tight box is to invent your way out.

The biggest risk is not taking risks.