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You can't have bank holding companies acting as hedge funds. You can't have them taking a million-dollar pension plan for Joe Schmo the bus driver and treat it with the same risk appetite that you treat George Soros' pocket money. It's fundamentally ridiculous.

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There are 4 billion cell phones in use today. Many of them are in the hands of market vendors rickshaw drivers and others who've historically lacked access to education and opportunity. Information networks have become a great leveler and we should use them together to help lift people out of poverty and give them a freedom from want.