What's your diagnosis? Is it because of poor planning or split realities or something else?

Yeah, that's a McKinsey report statistic that is argued.

But I think it's pretty fair.

It's a fairly good number.

You know, people fail to plan really well.

I mean, basically...

They go into it and basically say, okay, we need to do this change, blah, blah, blah.

When you were in 30s compared to now, what did you get wrong then?