There is a very genuine belief that without diversity of thought, companies can't innovate.

Innovation hubs are going to be in cities focused on the industries and clients of that city. So in Houston, it's focused on our industrial companies, particularly the energy sector, robotics, and automation.

An employee, even a very junior person, if they can articulately summarize a meeting, if they can put together a presentation and even emails that are really salient and to the point, they are so valued.

It is very hard to transform your culture and your workforce to be a relevant company in the digital world if all of your processes are stuck in the traditional world.

Digital fluency... is literally your ability to do things like banking online, to connect with people, to use a device and the Internet in a very easy way.

Digital fluency is about basic skills.