No more throwing any old garbage into the Tier 1 bucket and calling it capital: the new standards for common equity are significantly tougher than the old standards for Tier 1 capital in total.

The laws of cause and effect which govern our universe don't care about our beliefs – so we'd better find out what those laws are and try and align our beliefs to them to eliminate guesswork.

Many studies have shown and said that consumers would rather choose a sustainable product or service from a transformed business over others.

We have to shift the focus of our discussions on Europe to trying to deal with the citizens' concerns. And I mean simple things, like 'I can't buy an iTunes record for someone living in a different country because of the geolocation requirements and copyright'.

Having a plan, feeling confident and being competent are the greatest antidotes to fear. If you're just trying to deal with the unknown by crossing your fingers and hoping, you will be utterly helpless when a situation finally manifests. In reality, you're rarely (if ever) completely helpless, you allow yourself to be helpless.