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Say no by default

It's so easy to say yes. Yes to another feature, yes to an overly optimistic

deadline, yes to a mediocre design. Soon, the stack of things you've said yes to

grows so tall you can't even see the things you should really be doing.

Start getting into the habit of saying no--even to many of your best ideas. Use

the power of no to get your priorities straight. You rarely regret saying no. But

you often wind up regretting saying yes.

People avoid saying no because confrontation makes them uncomfortable. But

the alternative is even worse. You drag things out, make things complicated, and

work on ideas you don't believe in.

It's like a relationship: Breaking one up is hard to do, but staying in it just

because you're too chicken to drop the ax is even worse. Deal with the brief

discomfort of confrontation up front and avoid the long-term regret.

Don't believe that "customer is always right" stuff, either. Let's say you're a

chef. If enough of your customers say your food is too salty or too hot, you

change it. But if a few persnickety patrons tell you to add bananas to your

lasagna, you're going to turn them down, and that's OK. Making a few vocal

customers happy isn't worth it if it ruins the product for everyone else.

ING Direct has built the fastest-growing bank in America by saying no. When

customers ask for a credit card, the answer is no. When they ask for an online

brokerage, the answer is no. When they ask if they can open an account with a

million dollars in it, the answer is no (the bank has a strict deposit maximum).

ING wants to keep things simple. That's why the bank offers just a few savings

accounts, certificates of deposit, and mutual funds--and that's it.

Don't be a jerk about saying no, though. Just be honest. If you're not willing to

yield to a customer request, be polite and explain why. People are surprisingly

understanding when you take the time to explain your point of view. You may

even win them over to your way of thinking. If not, recommend a competitor if

you think there's a better solution out there. It's better to have people be happy

using someone else's product than disgruntled using yours.

Your goal is to make sure your product stays right for you. You're the one who

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