"The past is always tense, the future perfect."

You know what it’s like to wake up in the middle of the night with a vivid dream? And you know that if you don’t have a pencil and pad by the bed, it will be completely gone by the next morning. Sometimes it’s important to wake up and stop dreaming. When a really great dream shows up, grab it.

The only way to stay ahead is to continuously innovate and adapt.

Bankers should have an entrepreneurial mindset.