Francisco Goya

I will give a proof to demonstrate with facts that there are no rules in painting and that oppression or servile obligation of making all study or follow the same path is a great impediment for the young who profess this very difficult art.

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.