Drummond Money-Coutts

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.

There's this notion out there - and it's a categorically false notion - that the only business model in the service industry is the minimum-wage business model. I say phooey to that. You go to a Costco store, and you see people there who've been working there for years and years. They're making $15, $20 an hour, plus health benefits.

For a long time, I would go out of my way to have a personal appearance on the verge of an insane person, because it was closer to how I felt, but I looked so dumb. So, I just stopped. It was like, 'I'm just going to look like a banker.'