John James Audubon

Surrounded by all the members of my dear family, enjoying the affection of numerous friends, who have never abandoned me, and possessing a sufficient share of all that contributes to make life agreeable, I lift my grateful eyes towards the Supreme Being and feel that I am happy.

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.