Maynard Webb

I remember when being a 'a company man' was a badge of honor; today in Silicon Valley it may brand you a loser or, in the best case scenario, someone afraid to take risks. Ten years ago, if you saw a resume that had multiple jobs in ten years, you would be worried about the capability of the individual. Not so now.

The notions of going to work, putting in set hours, and getting 'face time' are increasingly antiquated ideas. Because of technology we have entered a modern era of work where we can work from wherever we want, whenever we want and we can be more productive and make greater contributions than ever before.

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.