I think it's something that nobody's really talked about in the past because we're supposed to be this big, macho, strong person that has no weaknesses. You know, we're supposed to be perfect.

This is what happens when we confuse morality with frugality. We've all been taught that the bake sale with five percent overhead is morally superior to the professional fundraising enterprise with 40 percent overhead, but we're missing the most important piece of information, which is: What is the actual size of these pies? Who cares if the bake sale only has five percent overhead if it's tiny?

No. We have a lot of customers, and we have a lot of research into our installed base. We also watch industry trends pretty carefully. But in the end, for something this complicated, it's really hard to design products by focus groups. A lot of times, people don't know what they want until you show it to them.

I didn’t realize that scientists were like that, and that people were like that. I would have thought — and I like to hope — that I encourage people rather than discourage people. I think you can say no and still say, “Boy, that might be a tough problem, but if you really work at it maybe you’ll solve it,” rather than, “No, it will never happen.”

I always say the Nubank story was very unlikely. It was a very low probability event. Again. We were going after these very big incumbent banks. Everybody told me, you know, you're Colombian. You have no idea what you're doing in Brazil. They're going to crush you. Like, don't. Just don't do it. And I did it mostly because everybody told me I couldn't do it. And so, if somebody tells me I can't do something, I want to go do it.