Lee H. Hamilton

You'll remember Dr. Rice said that several times: It was not a warning about the place and the method and the time - it was a general warning. And that points out the imperfection, if you would, of our intelligence.

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.