Jim Ramstad

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 spent so many years in terror of 'making it legal' because the expression rang all too true - the wedding ritual struck me as nothing but a flowery front for the fulfilment of countless, tedious contracts and obligations.