Sister Souljah

I think so much of young adult literature sort of gets ghettoized - the title 'young adult' makes people immediately discount it. And just like with books that get written for adults, there is plenty of young adult literature that is bad. But there is also plenty of young adult literature that is brilliant.

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.