Chris Farley

I remember one time when all the nuns in my Catholic grade school got around in a semicircle, me and Mom in the middle, and they said, 'Mrs. Farley, the children at school are laughing at Christopher, not with him.' I thought, 'Who cares? As long as they're laughing.'

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.