Bertolt Brecht

The entire island knows our father, Fred Hemmings, Jr. - kids, adults, surfers, the governor, grocery clerks, gang members who call our house at night and threaten to kill us as soon as they get out of jail. Fred was a world-champion surfer and is now a well-known, controversial politician.

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.