Terrell Davis

The one thing that scares me the most is failing. It scares me that one day I won't be at this level. But while I'm here and while I'm having success early, I'm trying to do everything to stay on this level.

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.