Queen Latifah

Dropbox looks really simple to the end user and is extremely magical and just works. But under the hood, the complexity of the technology is huge. The amount of work it requires to store, scale and move this data is pretty intense.

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.