This brings me to my final story -- about encouraging transformational change in others.The real heroes of that little story that I'm going to tell you are really my great colleagues at the International Monetary Fund.In 2011 -- at the height of the sovereign debt crisis in the Europemy colleagues produced a highly controversial piece of research on European banks.European leaders had been insisting that their banking systems were basically OK.But our analysis showed that these banks were sitting on massive amounts of bondsthat were worthy only a fraction of the value listed in their books.We were pretty sure at that time that the emperor had no clothes, or little of it.And we were extremely worried that this could be the Europe's Lehman Brothers moment. So we took the research.I gave a speech in Jackson Hall where all the bankers get together in August to make a loud and clear call for action.The pushback was swift and hard.Bankers and ministers lining up to publicly discount and discredit our analysis and criticize me.But over the next 12 months, these banks did exactly what we were calling for
