Julian Castro

Now, in Texas, we believe in the rugged individual. Texas may be the one place where people actually still have bootstraps, and we expect folks to pull themselves up by them. But we also recognize there are some things we can't do alone. We have to come together and invest in opportunity today for prosperity tomorrow.

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.

From a good lie in the middle of a fairway bunker, I'll make the same swing as I do from an average fairway lie. I'll dig my feet in slightly and keep my lower body stable so I won't slip, but I don't change my club selection or setup. It's only when the ball is sitting down in the sand that I'll make some modifications.