The most essential thing for us was to get the business model right then put the world-class technology under it to support it. At Merrill that meant not doing what people expected.

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Happiness is a sunbeam which may pass through a thousand bosoms without losing a particle of its original ray nay when it strikes on a kindred heart like the converged light on a mirror it reflects itself with redoubled brightness. It is not perfected till it is shared.