“Great Britain revolutionized parts of their regulatory process by actually bringing the people who were going to be regulated to the table and suddenly found that they could solve the problems at a lot lower cost by, again, going back to the thing that tends to be most uninteresting, particularly in”

“Some luck lies in not getting what you thought you wanted but getting what you have, which once you have got it you may be smart enough to see is what you would have wanted had you known.”