Jud Wilhite

I want to offer a word of encouragement to authors: You have to feel called to the message of your book enough that you want people to get that message. When you get to that place, your passion goes through the roof, and then the other stuff happens.

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.