Frederick Douglass

Writing novels is largely about endurance and patience. I take a lot of breaks, hit walls, and go do something else while I think things through. But I do it every day, and I try to treat it as a job, something that is not dictated by whimsy or muses.

We shall suffer no attachment to literature, no taste for abstract discussion, no love of purely intellectual theories, to seduce us from our devotion to the cause of the oppressed, the down trodden, the insulted and injured masses of our fellow men.

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.