"People assume that I'm wiser than I am because I'm somewhat successful. Age does not bring you wisdom, age brings you wrinkles. If you're dumb when you're young, you're going to be dumb when you're old."

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The big Wall Street firms, seemingly so shrewd and self-interested, had somehow become the dumb money. The people who ran them did not understand their own businesses, and their regulators obviously knew even less.

— Michael Lewis