Pamela Anderson

As a small business owner for the last 15 years, when I think of what truly changed my life, it was my faith, a strong family, my mom did a really, really good job of encouraging me in very clear and discernible ways.

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.