If being in person is critically important, why doesn't Schwab make the top 3-4 layers of management all relocate to our HQ in Texas? How are they effective when scattered across locations? After all, they make the biggest, most impactful decisions. Don't they need to be in person to talk to each other?
Maybe this is the issue without leadership, they aren't in one location, so nothing gets worked out, and great ideas are lacking.