Bokeem Woodbine

Right around 2004 when 'Ray' came out, I made a conscious decision to be more discerning because I thought to myself, 'After something like this, I really have to try to be strong enough to turn stuff down.'

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.