According to the book "Clicks and Mortar: Passion Driven Growth in an Internet Driven World" by Charles Schwab co-CEO David S. Pottruck and senior vice president Terry Pearce, Charles Schwab's rise to the top among financial services companies is mainly due to the company's exceptional corporate culture. First, Schwab is built around a chairman who is totally committed to helping others reach their financial goals. Next, the book claims, a core group of executives feels the same way as the chairman, and they help to implement the culture throughout the company. To ensure that values do not get lost as they are transmitted down the line, Schwab has hired a person whose job it is to edit executive memos, weeding out errant phrases that might deviate from the company line. Finally, the book claims that Schwab makes sure all of its employees accept this basic culture and these values.