You write that you were worried about failing if you started a bank, so you briefly consider starting a dress shop instead. And then you realize it was a cut throat business, so you went with starting a bank. But you had no team, no office and no money, except for your life's savings. So just tell me how you overcame an your sear of failure. It is very humbling when, you know, you go from a job where you have lots and lots of people and a nice office and a support structure to having nothing.

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