Jermain Defoe

I pray every day. In the mornings and, before I go to bed. I think it's important to pray not just when things are going bad. When things are going bad, it's easy to pray and ask God to help you out, but it's also important to pray when things are going well and show your appreciation.

From a good lie in the middle of a fairway bunker, I'll make the same swing as I do from an average fairway lie. I'll dig my feet in slightly and keep my lower body stable so I won't slip, but I don't change my club selection or setup. It's only when the ball is sitting down in the sand that I'll make some modifications.

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.