Charles Q. Brown: “You need flexibility. And we need to give you the flexibility and then we will hold you accountable.”

A shortage of affordable housing is not just a housing problem. It is an education problem. It is a health care problem. It is an economic growth problem.

This allows us to advance the tech refresh cycle that actually pulls more contributors into innovating, and producing capabilities, that we can rapidly deliver to our Guardians.

But be clear, we do want it to decrease access to loans at interest rates so high they ruin people's lives.

We must accelerate change or lose.