John Wanamaker

Kids today and for the last 20 years have held the fork and knife in unbelievable ways. They hold the fork with a fist and the knife like a saw and they shovel it in. It doesn't matter to them which way they hold their knife and fork. They eat every which way. I'm amazed they get food into their mouths at all.

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.