"As a young girl, I was much more preoccupied by my flaws. Everyone teased me because of my long, skinny neck. To hide my so-called deformity, I was wearing a turtleneck when I was 3! Yet my neck is probably my best asset. At the end of the day, what counts is the entire package."

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The banking business is no favorite of ours. When assets are twenty times equity - a common ratio in this industry - mistakes that involve only a small portion of assets can destroy a major portion of equity. And mistakes have been the rule rather than the exception at many major banks.

— Warren Buffett