Janet Yellen

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.

I would absolutely recommend against excessive positivity and optimism. Any positive emotion that you're infusing into a workplace needs to be grounded in reality. If it's not realistic, sincere, meaningful, and individualized, it won't do much good.