Matthew Quick

I grew up in a blue-collar neighborhood and was raised by a man who did not emote, ever... I always cry at movies, and when I was a kid, I would try to hide it. It wasn't something a kid in Oaklyn, N.J., did. So I have these weird hang-ups about emotions.

When I was in high school, I used to have breakfast with my grandpa every morning. He instilled a lot of values in me: hard work, loyalty. He grew up during the Great Depression in Philly in poverty - he didn't have enough to eat as a kid. Sometimes his family would get kicked out of their apartment because they couldn't pay the rent.

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.