“My office has a view of low-cost housing, old East German prefabricated apartment buildings. It isn't an attractive view, but it's very helpful, because it reminds me to ask myself, whenever there is a decision to be made, whether the people who live there can afford our decisions.”

“They will come to learn in the end, at their own expense, that it is better to endure competition for rich customers than to be invested with monopoly over impoverished customers.”