As I approached 60, I decided I did not want to work full-time until I was 65,

Try to work at the margins of your ignorance - that's how you grow

The CEO succession process from me to Ken has gone smoothly, and we have been able to move even more quickly than I anticipated, ... Ken has put in place the new organization structure and senior leadership team.

allow Ken to increase the range of his responsibilities.

We wanted to hopefully get more volume, but if it had a negative effect on MasterCard or Visa, I certainly wouldn't have objected to that. I would have been very enthusiastic about it.

To work all the time is to be incredibly lucky.