James Taylor

When I - when I was going to school, I knew how to read, write, add and subtract and I - I basically said, 'What else do I need? I'm never going to be able to go to college. I'm not going to be able to afford to go to college. I'm not going to be able to get a scholarship.'

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.