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“It's a chicken-and-egg thing. You could send cards to everyone in San Francisco, but if the merchants don't have the terminals, what's the point? What you need is a cooperative effort with merchants in a metropolitan area to create a tipping point where you can justify advertising and merchants are willing to attempt this new payment system.”

“The Good Quality Snob, or wearer of muted tweeds, cut almost exactly the same from year to year, often with a hat of the same material, [is] native to the Boston North Shore, the Chicago North Shore, the North Shore of Long Island, to Westchester County, the Philadelphia Main Line and the Peninsula area of San Francisco.”

“I was in a real conservative area just outside of Chicago recently. And this guy's like, 'Hey, Arj, you're from San Francisco. Are you in favor of gay marriage?' I was like, 'Well, I'd like to get to know you a little bit better first. I don't know what ever happened to buying a guy a smoothie and seeing what happens. That's how we do it back home.”