I talk to our kids now that they are grown up, and I ask them about the experiences that had growing up that really had a powerful influence on the way they view the purpose of life. The experiences that really shaped their values - my wife and I have no memory of those experiences!
You define yourself by either what your clients want or what you believe they'll need for the future. So: Define yourself by your client, not your competitor.
If large financial institutions can break the law and accumulate million in profits - and, if they get caught, settle by paying out of those profits - they do not have much incentive to follow the law.
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