Phyllis Logan

When somebody's calling you 'Mommy,' it's a wonderful thing. But also to have that responsibility and to know that you and your partner have this little thing that's totally relying on you - and it made me, I suppose, less selfish. Not that I was mega-selfish to start with, but it's lovely having that responsibility. It's scary.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.