James Dyson

It's not just the kid who's spent every penny from his job to upgrade his car to tell the world he cares about sports cars, it's also the person driving around in a fuel-conscious hybrid electric car, because it's more a message to the world than an effective means of saving fuel, to be quite honest.

The market is incredibly inefficient and capable on rare occasions of being utterly dysfunctional. And people have a really hard time getting their brain around that fact. They want to believe that it's approximately efficient almost all the time, and it simply isn't true.

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.