FICO , a concept which helped banks to remove the human element out of credit decisioning process, thus making lives simpler. One metric could encapsulate a whole lot of information relating to the payment history , outstanding balance, length of credit, depth of credit and recency of credit. Improvement of FICO score was always considered a healthy option for a person as it would give way to a lot of incentives like low buy down points, lower mortgage interest rates,etc.

People rarely succeed unless they have fun in what they are doing. - Dale Carnegie

Little things make a lot of impact in a company. There is a a simple practice of having free bagels with cheese on every Friday morning in a company and I had a chance to overhear quite a few conversations of the employees. This was placed in such a way that employees from various functions could come and talk over while they were having bagel in the morning. It could be their weekend plans, their department stories, etc.

“I don’t believe at all the creative is some inborn talent. Creative People believe they are creative and less creative people believe they are less creative. " Michael Michalko( Thinkertoys)

Another brilliant essay by Paul Graham .. The power of Marginal