There are hundreds of millions of people around the globe who could safely repay loans but nonetheless do not have access to a line of credit. Financial institutions in developing economies are broken and inefficient, and hard-working people have not been given the chance to establish a credit history.

Inexperienced entrepreneurs often want to keep their plans secret, but this is never how I've seen any of the great companies get built.

Top technologists have a tremendous capacity - and, therefore, a tremendous responsibility - to build things that make a positive impact on the world.

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