Nicholas Kristof

We all stand on the shoulders of our ancestors. We're in a relay race, relying on the financial and human capital of our parents and grandparents. Blacks were shackled for the early part of that relay race, and although many of the fetters have come off, whites have developed a huge lead.

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.

Having a Congress with a more diverse educational and professional background would serve the country well. And given the budget challenges facing America today, we might benefit from a few more cold, calculating problem solvers, and fewer courtroom impresarios.