If I went to a doctor and said “Tell me how to diagnose a patient,” or I went to a judge and said “Tell me how to interpret the law,” or I went to an artist and said “Tell me how to be creative,” do you think they would be able give me a few sentences that completely answer my question and prepare me for professional work as a doctor, judge, or artist? If they had spent years as students learning their subject matter, and additional years teaching or writing a textbook on their specialty, they might be very good in their professions but I’d bet they’d all find it tough to answer such a question in any meaningful way.
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It's an incredibly powerful discipline to put in place a rule of thumb that deals have to be accretive within some [specific] period of time. At Citigroup, my rule of thumb is it has to be accretive within the first twelve months, in terms of EPS, and it has to reach our capital rate of return, which is over 20 percent return within three to four years. And it has to make sense both financially and strategically, which means it has to have at least as fast a growth rate as we expect from our businesses in general, which is 10 to 15 percent a year.