Rick Derringer

And what makes me happy now has changed as well... Its one thing to play in a bar or at a biker festival, and hear a guy who's been drinking beer all day come up and tell you how good you are. For a long time in your life that will make you happy.

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.