"Greatness is not a function of circumstance. Greatness, it turns out, is largely a matter of conscious choice, and discipline."

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What's the most critical factor in any business decision you'll ever have to make? Basically, it boils down to this question: If this all crashes, will it bring the whole house tumbling down like a pack of cards? One business matra remains embedded in my brain - protect the downside.

— Richard Branson