In their cultures, they do not queue for buses where they live and there is a scrum every time a bus turns up, while in British culture there is a nice orderly queue.

It leads people to lionize the acting of making the bold decision to try something unconventional, but this decision, in the grand scheme of things, might not be that important.

There is, however, no need to do a big bang approach and try to cover all the different capabilities at once - start small at Basic and aim to become Standardized as your number of services grows.

Women need to take advantage of technology courses at the university level, and not all major in communications or fashion design.

I'm always wary of these herd moves into certain asset classes, generally they are not well-timed.