Dan O'Brien

I didn't get a ton of interest from colleges in baseball and football, but I was outstanding in track and had the sense that this would be my meal ticket... Track was a sport where I saw immediate improvement, and I had a lot of good support behind me... and the coaches had a lot of experience and pushed me in that direction for sure.

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.