Change is something that is expected and, therefore, not resisted.

Don't assume that the answers are out there in the form of somebody else already doing something. Sometimes they are. But you have to think beyond that.

Blockchain technology isn't just a more efficient way to settle securities. It will fundamentally change market structures, and maybe even the architecture of the Internet itself.

You have to think that the answer - and the right answer - for you and your organization might not be something that's been done before. And it's up to you to discover and work with your team to form and figure out how to do successfully.

It was what we expected.

It is really important to keep in mind that puberty is the biology of change and adolescence is the socio-cultural reflection of that, and in the United States we take a very long time with our adolescence. I think that the extent to which brain development is influenced by environment, we would see a very different pattern in adolescence, certainly in European adults and probably strikingly different in other cultures as well.