The normal safe zone suddenly and dramatically became a hot zone,

Suddenly, it's back to normal.

It's a hot thing in Europe and it's a hot thing in Asia -- it's taking off dramatically. It's about two years behind where the U.S. is in offering online services and in terms of being the choice of retail investors.

In any year, the stats in Iowa show we are in a relatively safe location, but that can change dramatically; a lot of it depends on what travels through our campus.

No one ever suddenly became depraved

Living at the YMCA in Harlem dramatically broadened my view of the world.