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Every morning, billions of people awake from their sleep, put their feet on the floor and ponder a similar thought: What can I do to make today different? This simple question may have motivated the creation of the airbag, the flushable toilet and cheese-stuffed pretzel bites. It also is what inspired me, one morning in 2011, to think back across the 20 years I had spent at my company, LoyaltyOne, and the lessons and innovations I experienced. It occurred to me that the sum of my days....