Horace Walpole

When your maturity is derived from circumstantial factors other than faith, your level of maturity would continue to fluctuate rather than being stable. This is why I am enabled to maintain a balance and stable approach to the challenges that come my way every day. I am not moved by what people say or do concerning my relationship with God.

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.