I think the biggest thing that you and I have in spades is curiosity. Once you get that to children, they can never stop learning because they will always be asking why does credit card have a fee? Why is the mortgage has to be so tough,. Is giving that intellectual curiosity. And then even though you and I always say it's better to be a non-expert, but you and I probably are.Once we get into the industry, we drill deep. I mean, in last six years, when I started at Wyam, I didn't know what DNA and RNA was and now I can do this. But it takes that level of passion commitment continuation. Wall is

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