And when we used to play and fight in the streets in Brooklyn and I would get hurt or something, my mother would always come out and save me. So that sort of postponed the inevitable about getting a good beating, without having somebody to come and save you.

I think the American Dream says that anything can happen if you work hard enough at it and are persistent, and have some ability. The sky is the limit to what you can build, and what can happen to you and your family.

I think life is sort of like a competition, whether it's in sports, or it's achieving in school, or it's achieving good relationships with people. And competition is a little bit of what it's all about.

I think Latin has some logic to it and there was a discipline.

I remember the mentoring experiences of some teachers that I had, like a second term home room teacher in public school that really was very helpful to me.

I believe in giving back very strongly.

And learn that when you do make a mistake, you'll surface that mistake so you can get it corrected, rather than trying to hide it and bury it, and it becomes a much bigger mistake, and maybe a fatal mistake.

And it was where I learned how to play tennis and eventually became captain of the tennis team at the school and was on the Junior Davis Cup in New York City.

And I thought I'd always like some form of business, I didn't know what kind of business I'd go in.

A lot of people at Shearson ended up making a lot of money because they had stock or stock options. Their kids were able to go to college, and it changed a lot of people's lives.

I would say that my parents were supportive of me.

From the business point of view, always encouraging the people in our company to own stock in the company, and if we're going to build something great, to have a lot of people share in the benefits of that greatness.

If we build something great, like we have at Travelers Group so far, a whole host of people benefit.

The more we can do to create a better society, that benefits more people, the better chance we have that our society will continue to grow and prosper.

So it's the kind of business where you can't wait to get up in the morning and read the papers, or listen to what's on the news, and you know, how the world's going to change.