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I haven't been out in the marketplace in a while. I'm thinking about going back into it. I've got some things set up over the next couple of months just to go and see. But I have no idea what the specific way to a solution is anymore. It's mysterious to me.

The worst thing that you can do in terms of bringing a product up to the market is to be two days after someone else has brought a similar product to the international market-It's dead.

In the Internet world, especially in Silicon Valley, everyone is at the ready all the time, and turnaround is relatively short, if not instant.

The trick is, a market has to be nonexistent when you start. If the market is large early on, you will have too many competitors. You have to make it large.

It's definitely going to be harder than it sounds to acquire millions of users in the U.S. It's going to be a lot of work, and you can't make light of that.

I believe in the principle that if you have more competition, it will drive down the prices.

It's difficult to do something radically new, unless you are at the heart of a company.

We realized we had high-volume marketplace as a platform. Anyone can come in and buy with a subscription.

Marketplaces by their nature tend to grow faster than most other companies.

The big challenge with Internet financial services has been that it's very difficult to get large numbers of customers to sign up for your service.