Jojo Moyes

I have read books that are so cliched and lazy, my eyes have bled. But I also have read books marketed under the chick-lit umbrella that are so honest, clever and gritty that I've wanted to give up writing and paint walls instead.

I don't want to let my guard down and feel too comfortable. If you become complacent, you start feeling entitled. I'm ready to go dig ditches if I have to. Whatever I gotta do to provide for my family. Whatever I gotta do to make sure that I do the best possible job at whatever wonderful opportunities I've been handed.

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.