"Teamwork is not always going to be split equally, and being able to work on a team without competing with your peers is an important skill to have. If you're that good, the other things you do independently will be seen, and over time it will be obvious that you're a winner."

Previous Quote

Banks and other providers of credit to households have been competing vigorously to expand or protect their market share. In the process, lending standards have been progressively eroded so that lenders are now engaging in practices that would have been regarded as out of the question five or ten years ago.

— Ian Macfarlane