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don’t try to come up with the right answers; focus on coming up with good questions.
which then drives away more of the right people; and a culture of bureaucratic mediocrity gradually replaces a culture of disciplined excellence.
Mediocre loan officers could hide behind the bureaucracy, while self-disciplined officers found themselves increasingly frustrated by a system designed to compensate for incompetent colleagues.
Think of being on a ship, and imagine that any decision gone bad will blow a hole in the side of the ship.

