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“How fleeting are the wishes and efforts of man! how short his time! and consequently how poor will his products be, compared with those accumulated by nature during whole geological periods. Can we wonder, then, that nature's productions should be far 'truer' in character than man's productions; that they should be infinitely better adapted to the most complex conditions of life, and should plainly bear the stamp of far higher workmanship?”

“So here we are in a country with more wheat and corn and more money in the bank, more cotton, more everything in the world-there's not a product that you can name that we haven't got more of than any other country ever had on the face of the earth-and yet we've got people starving. We'll hold the distinction of being the only nation in the history of the world that ever went to the poor house in an automobile.”

“Knapsack of the Metaphysicians.- Those who boast so mightily of the scientificality of their metaphysics should receive no answer; it is enough to pluck at the bundle which, with a certain degree of embarrassment, they keep concealed behind their back; if one succeeds in opening it, the products of that scientificality come to light, attended by their blushes: a dear little Lord God, a nice little immortality, perhaps a certain quantity of spiritualism, and in any event a whole tangled heap of 'wretched poor sinner' and Pharisee arrogance.”

“Alas! we know that ideals can never be completely embodied in practice. Ideals must ever lie a great way off--and we will thankfully content ourselves with any not intolerable approximation thereto! Let no man, as Schiller says, too querulously "measure by a scale of perfection the meager product of reality" in this poor world of ours.”

“The general systems of money management today require people to pretend to do something they can't do and like something they don't. It's a funny business because on a net basis, the whole investment management business together gives no value added to all buyers combined. That's the way it has to work. Mutual funds charge two percent per year and then brokers switch people between funds, costing another three to four percentage points. The poor guy in the general public is getting a terrible product from the professionals.”

“In addition to its use in arithmetic and science, the Hindu-Arabic number system is the only genuinely universal language on Earth, apart perhaps for the Windows operating system, which has achieved the near universal adoption of a conceptually and technologically poor product by the sheer force of market dominance.”

“Mutual funds charge 2% per year and then brokers switch people between funds, costing another 3-4 percentage points. The poor guy in the general public is getting a terrible product from the professionals. I think it's disgusting. It's much better to be part of a system that delivers value to the people who buy the product. But if it makes money, we tend to do it in this country.”

“I had a very down-to-earth product, my wrap dress, which was really a uniform. It was just a simple little cotton-jersey dress that everybody loved and everybody wore. That one dress sold about 3 or 4 million. I would see 20, 30 dresses walking down one block. All sorts of different women. It felt very good. Young and old, and fat and thin, and poor and rich.”

“On the one hand, I loved being a banker. I loved how numbers could tell a story and how you can invest in ideas and see them translate into products and services and create jobs. What I didn't like, particularly where I was working in Brazil during the debt crisis of the early '80s, was how the poor were excluded from the banking system. I made the decision to try and experiment with whether we could use the tools of banking to extend the benefits of the economy to the poor.”

“In England, all the English car companies were beginning to circle the drain in a series of well-deserved failures and bankruptcies, earned by making lousy products with very poor production at high prices. So, the government, back in the '70s, nationalized all the British car companies. The result was British Leyland, a name that perhaps doesn't resonate much with you.”

“With the Health Impact Fund, the innovation is paid for separately, through publicly funded health impact rewards, and the product is sold at the cost of production to all. Here, the cruel injustice of preventing the poor from buying at cost - evidenced by today's suppression of the trade in generic versions of patented medicines - would no longer be needed.”