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Toronto-Dominon
The Toronto-Dominion Bank, or TD Bank logo seen in Lower Manhattan.
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Janet Yellen
Federal Reserve Chairman Janet Yellen waits for a hearing of the Joint Economic Committee on Capitol Hill, November 29, 2017.
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Hey readers. Phil Rosen here. As you might guess about a writer, I love to read. 

I've collected hundreds of books over the years, and stacks of paperbacks line the walls of my room. But the most useful knowledge I've learned comes from a very small fraction of those books. 

This is the Pareto principle, more popularly known as the 80-20 rule: Roughly 80% of impact comes from 20% of the causes. 

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Jim Bianco is holding is hand up in front of his face.
Jim Bianco, head of Bianco Research LLC, speaks at the Reuters Investment Outlook Summit in New York December 11, 2007.
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A worker arrives to the Signature Bank headquarters in New York City, U.S., March 12, 2023. REUTERS/Eduardo Munoz
A worker arrives at the Signature Bank headquarters in New York City, U.S., March 12, 2023.
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A man walks in front of a United States Bankruptcy Court sign in New York City.
A man walks in front of a United States Bankruptcy Court sign in New York City.