Alfred Werner

Even when they are saturated in the sense of the older theory of valence, the elementary atoms still possess sufficient chemical affinity to bind other seemingly also saturated atoms and groups of atoms, under generation of clearly defined atomic bonds.

With the assistance of electrical conductivity, we were able to trace by measurements the process of intercalation in a large number of cases and, consequently, to establish experimental foundations for the evaluation of the formation of such intercalation compounds.

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.