> “It’s the most frustrating situation because it’s not about passion anymore or the work you put in or the hours you put in,” he said. “It’s all about the miti

> “It’s the most frustrating situation because it’s not about passion anymore or the work you put in or the hours you put in,” he said. “It’s all about the mitigating circumstances that are out of your control.” this is generally true about business. if the regulatory environment, the marketing is good, or the loan office is good (etc), you get lucky. if a celebrity likes your yoghurt. etc. hard work is the other side of this, but the role of luck is huge. anyway, looks like we're headed into the first real bust in a long long time.