"As wonderful as they were, my parents didn't teach me anything about self-discipline, concentration, patience, or focus. If I hadn't had a family myself, I probably never would've done anything. Marriage taught me responsibility."

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What went wrong is we had tremendous concentration in the sense we put a lot of our money to work against U.S. real estate. We got here by lending money, and putting money to work in the U.S. real estate market, in a size that was probably larger than what we ought to have done on a diversification basis.

— Vikram Pandit