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Livingston: What advice would you give to hackers who are thinking about starting a company or making something on their own?

Wozniak: First of all, try to have the highest of ethics and to be open and truthful about things, not hiding. If you have to hide something for company reasons, at least…

Wozniak: You have to be very diligent. You have to check every little detail. You have to be so careful that you haven't left something out. You have to think harder and deeper than you normally would. It's hard with today's large, huge programs.

I was partly hardware and partly software, but, I…

Bhatia: It helped us because we knew what kind of hardware we would need to be able to handle the kind of traffic to our site. Also, when you are hardware designers, you have tremendously more discipline in writing and describing software because in hardware you cannot get it wrong. Every turn of e…

We started building the product and then started looking around for funding. We went to a number of VCs and many of them turned us down because they were like, "How are you going to make money if you are going to give it away for free? What's the revenue mechanism?" We said we would capture detaile…

Levchin: We hit it off really quickly. I have this IQ bias—anybody really smart, I will figure out a way to deal with.

It was very positive. Both of us are really competitive and really—not mistrusting, but not willing to assume that the other guy knows what he's talking about. When we met, we s…