The global bank was profitable in every customer group and region for the first time since 2006, as North America came back from the red.

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Hiring the first team member with nothing but a vision, attracting the first customer when most large companies shun startups, attracting capital when every investor is seeking the next Facebook.

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What I found in Vegas was like trading the Nasdaq when I first walked on to a trading desk at Lehman Brothers in 1995: every customer is viewed with suspicion.

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At first they may drop overseeding for just one year every two or three, while judging member and customer reactions.

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