My friend Richard Carrion, the CEO of Puerto Rico's top bank, once shared a line with me that I'll never forget: Robin, nothing fails like success. Powerful thought. Your business is most vulnerable when it's most successful. Success actually breeds complacency, inefficiency and - worst of all - arrogance. Whenever I share this point with a roomful of CEOs, every one of them nods their head at this one. Please let me give you a real-world example from my own life.