Bryan Volpenhein

I think I have experience in rowing, and that has given me some ability to go about racing. I'm lucky genetically. I have a good VO2 max - I can hold a lot of air in my lungs - and that definitely helps.

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.