Thalia

Since I was a little girl, I have witnessed the strength and courage that energized my mother, who left every sorrow and pain in the past, who would work unyieldingly to obtain her goals, who was the great warrior from whom I learned all the values that are today fundamental pillars of my every day.

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.