Michael D. Barnes

If today is your typical day in America, 80 of our fellow citizens will die from gunfire. In the last two weeks, more Americans have died from gunfire here at home in the United States than in the entire war in Iraq since it started.

Who's paying the million bucks? The insurance company. We've been trying for years to get the insurance industry to say to the gun industry, We won't insure you unless you have policies that will reduce the likelihood of guns falling into the wrong hands easily.

They have some pretty tough gun laws in Japan, as they do in any other civilized country in the world, and they're not killing each other off with firearms. You have very violent films in Europe, yet it's not causing the mayhem we see in our streets routinely here.

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.