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Patrick T. Fallon / AFP via Getty Images; Business Insider
Mandel Ngan/AFP/Getty Images; Gerrit van Keulen/Soccrates/Getty Images
Handout/Getty Images
David Paul Morris/Bloomberg/Getty Images/Reuters
Jason Henry for BI
This as-told-to essay is based on a conversation with Andrew McCollum, the 42-year-old CEO of Philo, based in San Francisco. It's been edited for length and clarity.