Some of the smartest people I have met freely admit to knowing the least. For example, a few years back I was fortunate enough to meet one of New Zealand's more wealthy souls – hundreds of millions in assets sort of wealthy. He had made all his money in the challenging local retail sector. Fortunately, he was a relation of a close friend who had done me a favour and weaseled me a few moments with him over a cup of coffee in the rather modest Auckland office. Permission was in its early stages of development and I was looking for as much guidance as I could get.