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Under Bill Clinton's HUD Secretary Andrew Cuomo, Community Reinvestment Act regulators gave banks higher ratings for home loans made in 'credit-deprived' areas. Banks were effectively rewarded for throwing out sound underwriting standards and writing loans to those who were at high risk of defaulting.

My father probably thought the capital of the world was wherever he was at the time. It couldn't possibly be anyplace else. Where he and his wife were in their own home, that, for them, was the capital of the world.

I got a good-enough adolescence. I mean, there's a sense wherein you skip a part of childhood, too, when you start working at that age I did; I was out working and out of home at 15, paying my own way in the world.