Tom Hanks

For a time, I believed not in God nor Santa Claus, but in mermaids. They seemed as logical and possible to me as the brittle twig of a seahorse in the zoo aquarium or the skates lugged up on the lines of cursing Sunday fishermen - skates the shape of old pillowslips with the full, coy lips of women.

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.