From cell phones to computers quality is improving and costs are shrinking as companies fight to offer the public the best product at the best price. But this philosophy is sadly missing from our health-care insurance system.

Few companies that installed computers to reduce the employment of clerks have realized their expectations... They now need more and more expensive clerks even though they call them 'operators' or 'programmers.'

Significant officials at publicly traded companies are casually and cavalierly engaged in insider trading. Because insider trading has as one of its elements communication it doesn't take rocket science to realize it's nice to have the communication on tape.

Imagine if the pension funds and endowments that own much of the equity in our financial services companies demanded that those companies revisit the way mortgages were marketed to those without adequate skills to understand the products they were being sold. Management would have to change the way things were done.

We need a number of solutions - we need more efficiency and conservation. Efficiency is a big one. I think car companies need to do a lot better in producing more efficient cars. They have the technology we just need to demand them as consumers.

We have some worse scenarios for which we need to prepare as companies. For the moment we're planning for the worst and the worst is now and the car market is down more than 15 percent in France. There is so much uncertainty.

I still work hard to know my business. I'm continuously looking for ways to improve all my companies and I'm always selling. Always.

In the coming years if not sooner social media will become a powerful tool that consumers will aggressively use to influence business attitudes and force companies into greater social responsibility - and I suggest move us towards a more sustainable practice of capitalism.

For the first time we're allowing developers who don't work at Facebook to develop applications just as if they were. That's a big deal because it means that all developers have a new way of doing business if they choose to take advantage of it. There are whole companies that are forming whose only product is a Facebook Platform application.

Spend a lot of time talking to customers face to face. You'd be amazed how many companies don't listen to their customers.